Lottery System and Method Using a Settlement Data

ABSTRACT

Provided are a lottery system and method based on the sequence number of payment. The system and method discount a payment amount of a prize winner by an amount that is computed by aggregating certain rates of sales of non-winners by means of giving a sequence number of amount payment for each payment amount group at the time of making card payment or cash payment, and also discount the payment amount depending on the sequence numbering result for each winning probability by allowing customers to select the winning probabilities.

TECHNICAL FIELD

The present invention relates to a lottery system and method based on a sequence number of payment. More particularly, the present invention is directed to a lottery system and method based on a sequence number of payment, which discount a payment amount of a prize winner by an amount that is computed by aggregating certain rates of sales of non-winners by means of giving a sequence number of amount payment for each payment amount group at the time of making card payment or cash payment, and which also discount the payment amount depending on the sequence numbering result for each winning probability by allowing customers to select the winning probabilities.

BACKGROUND ART

As well-known in the art, with the advance of recent information communication technologies, there has been a study on information communication technology capable of offering information on various fields to a plurality of subscribers through one or more host servers over a long-distance data communication network in real times.

Based on this technology, the study of its peripheral techniques such as the cache memory expansion technique for providing subscribers with correct information more rapidly is also being progressed in recent years, together with the information selection technique and compression technique which can approach the subscribers favorite and preference more conveniently. Further, it is a recent tendency that the study of various kinds of contents and solutions is accelerating, in addition to the above techniques.

In recent years, there is also a development of a device for offering various merits to peoples making cash payment and card payment off-line as well as on-line to stimulate product purchase psychology so as to attempt inducement to consumption. In the card payment method using the card type information storage medium, credit cards with various card payment types have been applied, in which the credit cards include a universal credit card having all of lump-sum payment and installment plan payment service functions capable of using various goods or services in lump-sum payment or on the installment plan together with a cash service function allowing withdrawal of cash of a limited amount, and a goods payment card having only the lump-sum payment and the installment plan service functions which are issued by large goods stores such as departments themselves and compatible only in their own goods stores, excluding the cash service function.

The use of such credit cards is drastically increasing because there is a consideration on a plan allowing the government to give tax benefit on the payment amount made by the credit card, in addition to the convenience of the amount payment.

Meanwhile, in order to secure the transparency of tax resource and contrive the prevention of tax omission through the reinvigoration of the card payment method using the card payment card, a lottery system has been developed under the leadership of government and currently employed wherein a lottery is first done out of card users who made amount payment over a certain amount through the card payment card on a fixed period basis, and a certain winning money is then furnished to a prize winner.

In such a lottery system using the card payment card, when the card users who are distributed over the whole country purchase certain goods or services with their cards and make payment therefor, a serial number is first given in the order of payment time for each card payment and a lottery of the serial numbers is then conducted every a preset period (e.g., one week). Thereafter, winning money is tendered to the card payer with the winning serial number in the lottery.

However, in the conventional lottery system using the card payment card, since the lottery through the serial number given every occurrence of the card payment is made after a predetermined period of time from the payment date, i.e., one week, there exists an inconvenience that causes the user using such card payment card to confirm the winning or non-winning at the moment of lottery. Further, since the winning or non-winning is not known at the time when the card payment is made, it is difficult to inspire the expectation psychology of the user and purchase demand through card payment.

In addition, since the winning money given to the prize winner is supplied through the financial resources prepared separately from the card company or other lottery institutions, there is an additional difficulty for such a separate preparation of the financial resources. Also, the number of prize winners is limited to a very small number compared with a great number of card payments, which do not enjoy the expectation effect such as the increase of results of card usage through the lottery.

Furthermore, card chain stores induce more sales compared with non-chain stores, while further inspiring purchase desire of purchasers through the maximum reserve fund upon use of card or the gratitude event. However, the existing chain store system cannot have various events by chain stores, such as the payment lottery and so on.

Moreover, although persons making the cash payment pay the same good purchase costs, the lottery chance that is offered at the time of card payment under the leadership of government is only for the purpose of prevention of tax omission. Therefore, no chance of the credit card lottery is provided.

Also, there exists neither the reserve fund for sale increase nor the lottery upon occurrence of finance trade such as loan or transfer of service charge. Thus, a need has existed for offering diverse kinds of merits to purchasers for sale increase because the finance goods such as loan are the same as consumption action and payment action.

Additionally, if the circulation companies or selling companies such as departments or large marts intend to conduct an event for specific goods, they increase the selling rate of goods by making consumers watch related goods only through sales. Theses goods are named bait goods, and contribute to encouraging visit desires of consumers.

However, the circulation companies or selling companies such as departments or large marts provide the consumers with simple discount events for specific goods.

Therefore, since these events are conducted by the circulation companies or selling companies, the consumers do not feel special attractiveness about the discount events, which has a limit in promoting consumption.

DISCLOSURE OF INVENTION Technical Problem

It is, therefore, an object of the present invention to provide a lottery system and method based on the sequence number of payment, which discount a payment amount of a prize winner by an amount that is computed by aggregating certain rates of sales of non-winners by means of giving a sequence number of amount payment for each payment amount group upon card payment or cash payment.

Another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which discount a payment amount of a prize winner by an amount that is obtained by aggregating certain rates of sales for each winning probability by means of allowing customers to select the winning probabilities and deciding the prize winner by means of giving a sequence number of amount payment for each winning probability group upon card payment or cash payment.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which discount a payment amount of a prize winner by an amount that is obtained by designating sequence number groups by days of the weekday, weeks or months, aggregating winning moneys of certain rates of sales for each sequence number group, and deciding the prize winner by giving a sequence number of payment for each sequence number group upon card payment and cash payment.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which provide a purchaser of goods having a particular winning number with a winning money which is obtained by aggregating certain rates by selling sequence of each goods upon purchase and payment of the goods by designating a certain manufacturing number as a winning number by a manufacture in advance upon release of goods and store the related information in a server.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which discount the rate of interest and various kinds of service charges by aggregating certain rates of service charges which occur when each finance company sells finance goods and sets a particular event number as a prize winner for each group that is made by selling prices of each goods, depending on an event occurrence number upon occurrence of finance payment events such as loan, remittance, etc.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which discount a payment amount by deciding a specific prize winner through a payment sequence numbering within each group that is grouped by selling prices of each goods upon payment using mobile or ARS, and also allow customers to select prize winning probabilities to decide the scale of each group.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which integrate and accumulate reserve funds provided by plural chain stores upon purchase of goods of consumers, decide a particular consumer to be a prize winner if the accumulated reserve fund exceeds a particular reference amount upon accumulation of reserve funds by the consumers selection for a specific accumulated amount group, and discount or reserve a winning money.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which increase the visit number of times of consumers to stores through selling of goods and promote consumption of other goods, by providing an event sequence numbering service with a discount by accumulating a more reserve fund than other goods by means of offering and accumulating part of a reduced amount for specific discount event goods as a reserve fund for the lottery system.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which give to a prize winner a discount by an amount that is collected by integrating and accumulating reserve funds provided upon purchase of various kinds of gift certificates using credit cards or cash, and deciding a prize winner through a payment sequence numbering.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which allow a customer to use a certain rate of a reserve fund as a point for a sequence numbering service and a residual reserve fund to be accumulated depending on preset information of the consumer upon issuance of a payment signal, by registering a customers credit card number and a hand phone number in a payment/lottery management server and further registering reserve fund process information for each customer upon payment.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which allow each customer to search an appropriate chain store by selection of a specific area, an upper order of a discount rate, a specific event occurrence chain store, and selling goods in a desired category through a hand phone, by classifying discount rate information, position information, telephone information, special event information, and selling goods information by categories as chain store information and registering these information in a payment/lottery management server using a chain store PC.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which offer a sequence numbering service before payment, by making in a manner that a payment/lottery management server provides a customer with a point for the numbering service corresponding to a total expected payment amount for his or her advance use when there is receipt of application for reservation through his or her application for reservation, input of reservation information and transfer of reservation amount.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which allow a customer to receive a sequence numbering service by connecting to a payment/lottery management server via his or her PC or hand phone, after getting an authentication number of a point for a sequence numbering which is available for its output on a receipt from the server by inputting payment information from a delivery company to the server.

Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which provide a point for a sequence numbering that can be used within a certain period of time by registering an authentication number of a gift certificate in a payment/lottery management server upon issuance thereof by chain stores, additionally provide a certain interest rate by computing a period until prior to use of the gift certificate if the certain period of time has expired, and promote the circulation of the gift certification of the chain store by providing additional benefits upon purchase of the gift certificate by the customer by automatically deleting the point.

ADVANTAGEOUS EFFECTS

As mentioned above and will be described below, the lottery system and method based on the sequence number of payment of the invention discounts a payment amount or offers a cyber money by giving a payment sequence number for each group pre-classified by payment amounts and deciding a winning or non-winning by comparison of the given sequence number and a predetermined winning number, upon payment for good amount through a credit card or cash. Thus, the lottery system and method of the invention can revitalize consumption, increase sales of each chain store, and provide winning money which is proportional to a used amount to a customer. Further, if the payment amount is large, the customer can participate in the payment sequence numbering service by a division method, thereby improving the winning probability. In addition, the customer can determine the number of persons of a corresponding group who are participated in the payment sequence numbering service, like 10 persons, 20 persons, 30 persons, etc. In case of a group of smaller number of persons, the lottery system and method of the invention can elevate the winning probability, while in case of choosing a group of greater number of persons, the lottery system and method of the invention can increase the winning money. Therefore, the lottery system and method of the invention has an advantage that it can promote consumption and select a lottery method based on the intention of the customer.

BRIEF DESCRIPTION OF THE DRAWINGS

The above and other objects and features of the present invention will become apparent from the following description of the preferred embodiments given in conjunction with the accompanying drawings, in which:

FIG. 1 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with a first embodiment of the present invention;

FIG. 2 is a diagram describing a payment sequence numbering status of the lottery system based on the sequence number of payment in accordance with the first embodiment of the present invention;

FIG. 3 is a diagram describing a sequence numbering status by payment amounts in the lottery system based on the sequence number of payment in accordance with the first embodiment of the present invention;

FIG. 4 is a block diagram showing a structure of the payment/lottery management server in accordance with the first embodiment of the present invention;

FIGS. 5 and 6 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the first embodiment of the present invention;

FIG. 7 is a diagram illustrating a progress status of a lottery system based on the sequence number of payment in accordance with a second embodiment of the present invention;

FIG. 8 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the second embodiment of the present invention;

FIG. 9 is a block diagram showing a structure of a payment/lottery management server in accordance with a third embodiment of the present invention;

FIG. 10 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the third embodiment of the present invention;

FIG. 11 is a diagram showing a customer selection signal generation status of a lottery system based on the sequence number of payment in accordance with a fourth embodiment of the present invention;

FIG. 12 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fourth embodiment of the present invention;

FIG. 13 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with a fifth embodiment of the present invention;

FIGS. 14, 15 and 16 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fifth embodiment of the present invention;

FIG. 17 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with a sixth embodiment of the present invention;

FIGS. 18 and 19 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the sixth embodiment of the present invention;

FIG. 20 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with a seventh embodiment of the present invention;

FIG. 21 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with the seventh embodiment of the present invention;

FIG. 22 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with an eighth embodiment of the present invention;

FIG. 23 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the eighth embodiment of the present invention;

FIG. 24 is a diagram showing a data flow of a lottery system based on the sequence number of payment in accordance with a ninth embodiment of the present invention;

FIG. 25 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the ninth embodiment of the present invention;

FIG. 26 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with a tenth embodiment of the present invention;

FIG. 27 is a schematic diagram illustrating a structure of the lottery system based on the sequence number of payment in accordance with the tenth embodiment of the present invention;

FIGS. 28 and 29 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the tenth embodiment of the present invention;

FIG. 30 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with an eleventh embodiment of the present invention;

FIG. 31 is a block diagram showing a structure of the payment/lottery management server in accordance with the eleventh embodiment of the present invention;

FIG. 32 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the eleventh embodiment of the present invention;

FIG. 33 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with a twelfth embodiment of the present invention;

FIGS. 34 and 35 are flowcharts showing a signal flow of a lottery system based on the sequence number of payment in accordance with a thirteenth embodiment of the present invention;

FIG. 36 is a flowchart showing a receipt for a delivery company of a lottery system based on the sequence number of payment in accordance with a fourteenth embodiment of the present invention;

FIGS. 37 and 38 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fourteenth embodiment of the present invention;

FIG. 39 is a diagram showing a gift certificate for chain stores of a lottery system based on the sequence number of payment in accordance with a fifteenth embodiment of the present invention; and

FIG. 40 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fifteenth embodiment of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with a first embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 1 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment according to a first embodiment of the present invention.

Referring to FIG. 1, the lottery system based on the sequence number of payment according to this embodiment is a system which discounts a payment amount of a prize winner by an amount that is computed by giving a sequence number of amount payment for each payment amount group upon occurrence of card payment or cash payment, and aggregating certain rates of sales of non-winners.

In other words, the lottery system based on the sequence number of payment of this embodiment classifies payment amounts into diverse groups when customers make card payment or cash payment at various places such as chain stores or departments, and gives a sequence number of such payment for each payment amount group when payment amount information is applied, to thereby automatically process a certain number within a corresponding group as a prize winner and discount the payment amount by a winning money.

The control of this payment process is basically conducted by a remote server. If a sequence numbering processor of the remoter server is built in a chain stores payment terminal, payment amounts can be classified into several groups by chain stores and the sequence numbering process can be conducted.

For this, in the lottery system based on the sequence number of payment according to this embodiment, a credit card CD can be utilized to make amount payment for purchase of certain goods or for use of services based on its card number and card membership information in the form of a non-contact type card such as RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.

Further, card payment terminals A1-An are installed at a multiplicity of affiliated chain stores such as a credit card company, department, a large discount mart, and various kinds of chain stores, which issue the credit card. In this arrangement, each terminal can recognize information contents written in the credit card and generate a payment signal to remotely get electronic authentication. In addition, the terminal A1-An can perform a signal manipulation for a separate input of payment amount and for request of a sequence numbering service to include a purchaser in the object of the lottery provided by the present invention although a goods purchaser makes cash payment, instead of using various cards such as a credit card, a cash card, a debit card, etc.

Also, in case where the terminal A1-An inquires card information of the credit card for purchase payment of goods being sold by an affiliated chain store at which those terminals are installed, or for payment of service usage, it first classifies the payment amount by the credit card into groups. Then, if a sequence number of card payment within a target group matches a specific sequence number predetermined by this embodiment, the terminal recognizes a person making payment of the specific sequence number as a prize winner and performs a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays the winning or non-winning that is provided according to conduction of card payment on a screen of the terminal in real times, and prints particulars on the prize winning.

At this time, if the goods purchaser presents cash, the proprietor of the chain store selects a cash purchaser button of the card inquiry terminal A1-An, and inputs personal information and payment amount information. In case of making the cash payment, the payer is also included in the object of the lottery by payment amount groups.

Furthermore, the card payment terminal A1-An provided in the chain stores and so on may be constituted by a separate card payment terminal that adds a PC function to the general credit card terminal function. In case of such a card payment terminal, the proprietor of the chain store may provide the lottery service based on the sequence number of payment oneself according to his or her will, and may also give gift or winning money depending on the visit sequence of customers by chain stores.

That is, if the chain stores provide the sequence numbering lottery service themselves, the card payment terminal A1-An should be provided with a memory for storing sequence number information for each payment group, and also with a sequence numbering lottery processor for performing a sequence numbering process for each payment.

If a credit card CD presented by a goods purchaser is a credit card issued by a non-chain company, it is also embodied in a manner that personal information data and so on are extracted and included in the object of the lottery, in addition to its card number and sale details, or included therein in the same manner as the cash purchaser. Therefore, the object of purchasers using the lottery system according to this embodiment is not particularly limited, but widely includes a cash purchaser, an affiliated company credit card purchaser, an unaffiliated company credit card purchaser, a debit card purchaser, etc.

Further, an electronic authentication server (ES) receives the card number of the credit card and the sale details through a data communication with the card inquire terminal A1-An which is installed at the affiliated chain stores over a data network, and performs a transmission of card credit inquiry information and an approval process of amount payment.

If the electronic authentication server ES gives a sequence number of card payment in each group by payment amounts based on the payment amount information that is created when the users use credit cards for the card inquiry terminal A1-An, and decides the credit cards user to be a prize winner in real times when the given sequence number matches a predetermined specific sequence number. Besides, it sends information on the winning result to the prize winner, which is one of the card inquiry terminals inquiring the credit card, via the data communication network. In the same drawing, a second database DB2 stores card numbers for card payment approval of users credit cards, each sale amount information of approved cards, and card information.

Meanwhile, the financial resources of winning money in the lottery are prepared by aggregating certain rates of purchase amounts for each purchaser from a corresponding chain store, and are provided to the purchaser of the specific sequence number. In this embodiment, the winning money can be distributed more reasonably by providing it differently depending on the payment amount of each customer.

For example, if an goods payment amount of a customer making payment is 250,000 won (in Korean currency), the present invention conducts a sequence numbering lottery based on sequence number information a group that is classified into the range of 200,000 to 300,000 won. At this time, if the customer is given a preset number indicative of the sequence number of payment, he or she can get winning money more than a case of making payment of 150,000 won. Namely, because the customer receives from a chain store a winning reserve fund of a certain rate such as 1% of a sale amount as financial resources of the winning money, the winning money for each payment amount is different if the payment sequence numbering of the customer for the lottery is performed separately by groups in a state where each of the winning reserve funds by payment amount ranges such as 100,000 won range, 200,000 won range, 300,000 won range, etc., is reserved separately. Thus, the customer purchasing more goods can get more winning money.

Further, a finance payment server CBS1 is installed in a credit card company issuing the credit card, department, large discount mart, a total management center of each chain store, etc, and performs authentication and card payment for the purchaser based on the card number that is used upon payment of the credit card and sale details information, and its approval or disapproval, sent from the electronic authentication server ES over a value added network (VAN).

In addition, the finance payment server CBS1 receives sale details information from each card inquiry terminal A1-An in response to an amount payment request of the credit cards possessed by the users from the electronic authentication server ES, confirms a payment amount for the credit card of each user, and makes card payment thereon.

In the meantime, a payment/lottery management server PSLMS accepts the card information and sale details from the card payment terminal A1-An installed in the chain stores, gives a sequence number of payment within a pre-classified payment amount group, and decides the winning or non-winning. If a purchaser or a payer is decided to be a prize winner, the server judges whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated therewith. If the issuer is affiliated with the server PSLMS, the server PSLMS sends the winning or non-winning information to the card payment terminal A1-An to make payment for a payment amount excluding the winning money.

At this time, the winning money may be provided by reducing the payment amount that the purchaser will pay to the issuer (for example, a credit card company, a large discount mart, department, or the like), or by transferring it to a deposit account of the payer. Alternatively, the winning money may be given in the form of a reserve fund of the chain store, game money, or the like, instead of supplying the winning money.

FIG. 2 is a diagram describing a payment sequence numbering status of the lottery system based on the sequence number of payment according to the first embodiment of the present invention. FIG. 3 is a diagram describing a sequence numbering status by payment amounts in the lottery system based on the sequence number of payment according to the first embodiment of the present invention.

Referring to the drawings, the server PSLMS designates a group of each customer by using the sequence number information for the pre-classified groups depending on the payment amount upon payment by credit cards possessed by the users or upon a cash payment, as shown in FIG. 2, and confirms the payment sequence number within the corresponding group, to thus judge whether or not the customer is a prize winner.

For example, it is first assumed that the groups by payment amounts are classified into a 100,000 won group, a 200,000 won group, a 300,000 won group, etc, the 100,000 won group is progressed by 5^(th) in the sequence number of payment, the 200,000 won group is progressed by 9^(th) in the sequence numbers of payment, and the 300,000 won group is progressed by 2^(nd) in the sequence number of payment, and the customer of each of 10^(th), 20^(th), and 30^(th) (sequence numbers of payment is decided to be a prize winner in advance. Under the assumption, if a new customer makes payment of 250,000 won goods, the customer becomes the prize winner since he or she falls in the 10^(th) sequence number of payment within the 200,000 won group. Further, the financial resources of each prize winner are provided by aggregating certain rates of each sale, and therefore, if it is assumed that 1% of each sale is taken, the winning money of 100,000 won group will be 100,000 won×1%×9 persons=9,000 won to 199,990 won×1%×9 persons=17,999 won. If the winning sequence numbers are 20^(th), 40^(th) and 60^(th), the winning money of the corresponding group will be 18,000 to 35,998 won. That is, the prize winner of one person per 20 persons will receive the winning money.

Further, one person per 10 persons draws a winning number and the winning money of the 200,000 won group will be 200,000 won×1%×9 persons=18,000 won to 299,990×1%×9 persons=26,999 won. For instance, if the winning sequence numbers are 20^(th), 40^(th) and 60^(th), the winning money of the corresponding group will be 36,000 to 53,998 won.

Accordingly, it is preferable that the chain store equipped with the card inquiry terminal A1-An supplies a certain rate of each card sale amount so that the amount obtained by summing up the certain rates is used as the financial resources of the winning money. In addition, the proprietor of the chain store may progress a separate event oneself, may further increase the supply rate which becomes the financial resources of the winning money, and may freely adjust the object unit of the winning sequence number.

Therefore, by using the lottery system provided by the payment/lottery management server PSLMS, the purchaser may get goods without pay.

Additionally, it is of course possible for the PSLMS server to convert the winning money into a free purchase ticket of goods or gift certificate being sold by the goods purchase place and then provide the same if the credit card is a card issued by the goods purchase place such as department or large discount mart.

In the same drawing, a first database DB1 stores group information by payment amounts including both the card payment and the cash payment and information on a payment sequence number for each group. Further, it stores sale amount information by card usage by approved cases of each user secured as a usage membership of a payer, membership information of a prize winner, winning sequence number information, and winning money information. Also, a third database DB3 stores card numbers and subscriber personal information by the card numbers, and payment information by card numbers and payment chain store information.

Further, the customer may directly select any of payment groups for the lottery in the payment/lottery management server PSLMS. For example, if the payment amount made by the customer is 500,000 won, he or she may get the payment sequence numbering service in the 100,000 won group five times. Therefore, a customer making 500,000 won payment can have winning probability five times, compared with a customer making 100,000 won payment.

FIG. 4 is a block diagram showing a structure of the payment/lottery management server in accordance with the first embodiment of the present invention;

Referring to FIG. 4, the payment/lottery management server PSLMS includes gateways, a connection part, an authentication center (AUC), a connection sensing processor, a group designation processor, a sequence numbering execution processor, a chain store cost settlement processor, a data storage part, and a control module.

Each of the gateways (WEB, WAP gateway) 2 a to 2 n is for matching data transmitted through a web network and a radio Internet network with a protocol in the server PSLMS. The connection part 4 serves to connect data provided though the gateways 2 a to 2 n to an inside module of the server PSLMS.

The AUC 6 is a processor which authenticates whether or not a chain store is an affiliated chain store based on an identification (ID) number such as an MAC address of the card payment terminal A1-An of the chain store. The connection sensing processor 8 a functions to check the connection status of the card payment terminal A1-An of each chain store.

Further, the group designation processor 8 b designates pre-classified groups by payment amounts of customers transmitted from the card payment terminal A1-An, wherein a group for a payment amount of a specific customer is designated when the payment amount information is applied from the terminal A1-An.

The sequence numbering execution processor 8 c, in a state where the group is designated in the group designation processor 8 b, decides a payment sequence number of a target customer within the group, depending on the payment amount information of the customer provided from the card payment terminal A1-An.

The chain store cost settlement processor 8 d settles amounts to be paid by the card payment terminal A1-An of the chain store by subtracting the winning money from the payment amount for the customer.

The data storage part 10 stores the ID number of the card payment terminal A1-An of each chain store and affiliated chain store information by the ID numbers. In addition, it stores payment sequence numbering information by payment amount groups and winning information for each group.

Meanwhile, the control module 12, based on the payment amount information and chain store codes provided from the card payment terminal A1-An through the gateway 2 a-2 n, confirms whether or not each chain store is an affiliated chain store through the AUC 6, and confirms whether or not each customer is a prize winner depending on the payment sequence number within the corresponding group in the state where the groups by payment amounts are designated.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the first embodiment of the invention will be described in detail with reference to the accompanying drawings.

FIGS. 5 and 6 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the first embodiment of the invention.

The lottery system based on the sequence number of payment of this embodiment has signal flows classified by a card payment customer and a cash payment customer, wherein FIG. 5 shows a signal flow for the card payment customer and FIG. 6 shows a signal flow for the cash payment customer.

First of all, FIG. 5 illustrates a procedure of making payment using a credit card issued by a finance company that is affiliated with the pay/lottery management server PSLMS. The server PSLMS performs a payment sequence numbering process of each customer for each group by classifying payment amounts into plural groups. If a card user makes payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in the purchase place of goods or chain store of services out of the card payment terminals A1-An.

At this time, the card payment terminal A1-An sends the card number and card information stored in the credit card, a terminal ID number and payment amount information to the server PSLMS via the data communication network. Then, the server PSLMS gives a payment sequence number after a previous payment sequence number within the pre-classified group based on the payment amount information of the card payer.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is non-winner, it sends non-winning information of the customer to the card payment terminal A1-An. For example, the server PSLMS provides the card payment terminal A1-An with message data as follows: your authentication number is 19^(th) which is the prior number of the prize winner. Then, the card payment terminal A1-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs the winning information provided from the server PSLMS on a receipt, together with the payment information.

On the contrary, if the customer is a prize winner, the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer, and sends the winning information (winning money information) to the card payment terminal A1-An. Then, the card payment terminal A1-An sends the payment information excluding the winning money to the electronic authentication server ES, to make an approval request through a credit inquiry. The electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs the winning information sent from the server PSLMS on a receipt, together with the payment information. The server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.

Referring to FIG. 6, the server PSLMS performs the payment sequence numbering process for each group by classifying payment amounts into plural groups. If a cash user makes cash payment for a purchase amount of goods or a usage fee of services, the proprietor of the chain store inputs payment amount information using the card payment terminal A1-An. Next, the card payment terminal A1-An sends the payment amount information and its ID number to the server PSLMS.

Then, the server PSLMS gives a payment sequence number after a previous payment sequence number within one of the groups pre-classified by payment amount units based on the payment amount information of the cash payer.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner in real times. If the customer is non-winner, it sends non-winning information of the customer to the card payment terminal A1-An. For example, the server PSLMS provides the card payment terminal A1-An with message data as follows: your authentication number is 19^(th) which is the prior number of the prize winner. Then, the card payment terminal A1-An outputs the message data on a receipt by including it therein.

On the contrary, if the customer is a prize winner, the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer, and sends the winning information (winning money information) to the card payment terminal A1-An. Then, the card payment terminal A1-An discounts the payment amount based on the payment information excluding the winning money, and outputs a receipt including the winning information and the payment information.

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with a second embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 7 is a diagram illustrating a progress status of a lottery system based on the sequence number of payment in accordance with a second embodiment of the present invention;

Referring to FIG. 7, the lottery system based on the sequence number of payment of this embodiment is a system which discounts a payment amount of a prize winner by an amount that is obtained by aggregating winning moneys of certain rates of sales by winning probability groups by allowing customers to select various winning probabilities upon card payment or cash payment, and deciding a prize winner through the payment sequence numbering by the winning probability groups.

In other words, the lottery system based on the sequence number of payment of this embodiment is a system which allows the customers to select winning probabilities directly upon payment. Here, the winning probability means whether the sequence numbering is performed in a group where one of 10 persons is selected as a prize winner, in a group where one of 30 persons is selected as a prize winner, or in a group where any one of 50 or 100 persons is selected as a prize winner. That is, the winning probability refers to a probability which selects the number of persons involved in the object of the lottery and is different according to the selected number of persons. For example, 10% of a usage amount is discounted or reserved to a prize winner who has the winning probability of 10%.

At this time, although the accumulated money of customers who accumulate the finance resources before the prize winner is less than 10% of the used amount of the prize winner, the accumulated money of the customers becomes almost similar to the winning money by averaging the customers participated in the sequence numbering service. Therefore, the method of the present invention executes the sequence numbering process and thus can supply the winning money to the prize winner.

In this system, the financial resources of the winning money are provided by accumulating certain rates of sales of previous non-winning payers. Therefore, a case of selecting one prize winner out of a 10-person group (10% winning probability) is different from a case of selecting one prize winner out of a 20-person group (5% winning probability). That is, the winning money paid to a person who has a sequence number matching a preset sequence number out of the 20 persons is greater than that paid to a person who has a sequence number matching a preset sequence number out of the 10 persons. More specifically, the prize winner gets more winning money, whereas one prize winner is selected among 20 persons, which shows a lower winning probability than the 10% sequence numbering group.

Further, selecting one prize winner out of 10 persons has a higher winning probability than selecting one prize winner out of 20 persons.

Meanwhile, the lottery system based on the customer sequence number of payment of this embodiment largely decides the winning probability in two types as follows. One of them will be described in the following second embodiment and the other will be described below without referring to the drawings.

First, in the lottery system based on the sequence number of payment of this embodiment, one of the types of deciding the winning probability is a type of classifying the number of persons in the object of the lottery into groups as mentioned above and then giving a sequence number of payment in a winning probability group selected by the customer among the groups upon payment, and the other type is a type of deciding the winning or non-winning by customers depending on the winning probability selected by the customer regardless of the groups.

Specifically, in the second type, in a state where the sequence number of the prize winner is assumed to be 0 as a reference point, in case one person makes payment in the 10^(th) sequence number, the payer is decided to be a prize winner if he or she selects 10-person winning probability, and to be non-winner if he or she selects 20-person winning probability. Further, if the payer is non-winner, a payer following that payer becomes an 11^(th) payment sequence number. Therefore, the payer may be a prize winner or may be non-winner according to the selected winning probability. If the payer is non-winner, only one payment sequence number is added to decide the sequence number of a next payer.

The way as described above separately designates the groups by the winning probabilities upon payment and manages the payment sequence number information by the groups. However, the above way does not decide the sequence number of the payer for the corresponding group but decide it in a lump based on the applied payment signal, thereby making its management convenient.

FIG. 6 shows the way of giving the sequence number of payment through selection of the first winning probability, and therefore, it needs the same technical structure as depicted in FIG. 1 to do so.

That is, in the lottery system based on the sequence number of payment of this embodiment, the credit card is utilized to make amount payment for purchase of certain goods or for usage of services based on its card number and card membership information in the form of a non-contact type card such as an RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.

Further, card payment terminals A1-An are installed at a multiplicity of affiliated chain stores such as a credit card company, department, a large discount mart, and various kinds of chain stores, which issue the credit cards. In this arrangement, each terminal can recognize information contents written in the credit card, generate a payment signal to remotely get electronic authentication, and generate one winning probability signal selected by the customer among the pre-classified winning probabilities. In addition, the terminal A1-An can perform signal manipulation for a separate input of payment amount and for request of sequence numbering services to include a purchaser in the object of the lottery provided by the present invention although the purchaser makes cash payment.

Also, if the terminal A1-An inquires card information of the credit card for purchase payment of goods being sold by the affiliated chain store at which the terminal is installed, or for payment of a usage fee of services, it first classify the payment amount by winning probability groups according to a selection of the customer upon payment by the credit card. Then, if a sequence number of card payment in a group matches a specific sequence number predetermined according to the embodiment of the invention, the terminal recognizes a payer having the specific sequence number as a prize winner and performs a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays winning or non-winning information that is provided according to the conduction of the card payment on a screen thereof in real times, and prints particulars thereon.

At this time, if the goods purchaser presents cash, the proprietor of the chain store selects a cash purchaser button on the card inquiry terminal A1-An, and inputs personal information and payment amount information. Then, even in case of making the cash payer, it is preferable that the payer is included in the object of the lottery by winning probability groups selected by the customer.

That is, if the chain stores provide the lottery service based on the sequence number of payment as their own events, the card payment terminal A1-An should be provided with a memory for storing the sequence number information by winning probability groups selected by the customers, and also with a sequence numbering processor for conducting the sequence numbering for each payment.

If a credit card provided by a goods purchaser is a credit card issued by an unaffiliated company, it is designed in a manner that personal information data and so on are extracted and included in the object of the lottery in addition to the card number and sale details, or included therein in the same manner as the cash purchaser. Therefore, the object of purchasers using the lottery system according to this embodiment is not particularly limited, but widely includes a cash purchaser, an affiliated companys credit card purchaser, an unaffiliated company credit card purchaser, a debit card purchaser, etc.

Further, an electronic authentication server ES receives the credit cards number and sale details through data communication with each card inquire terminal A1-An installed at the affiliated chain stores over the data communication network, and performs a transmission of card credit inquiry information and an approval process of amount payment.

Further, if the electronic authentication server ES gives a sequence number of card payment for each winning probability group selected by the customer based on the payment amount information that is created when the users use credit cards for the card inquiry terminal A1-An, and decides a credit card corresponding to a predetermined sequence number to be a prize winner when the given sequence number matches the predetermined sequence number. Besides, it sends information on the winning result to the card inquiry terminal inquiring the credit card, which is the prize winner, via the data communication network. In the same drawing, the second database DB2 stores card numbers for card payment approval of credit cards possessed by the users, sale amount information of each approved card, and card information.

At this time, the financial resources of the winning money are prepared by aggregating amounts of certain rates of purchase moneys created by plural purchasers from the corresponding chain store, and is furnished to the purchaser having the predetermined sequence number. In this embodiment, the winning money can be distributed more reasonably by providing it differently depending on the winning probability selected by the customer.

For example, if a customer making payment selects a winning probability 10, the present invention accumulates certain rates of sales generated by 10 payers and then provides it to one prize winner. The payer selecting the winning probability 10 will accept smaller winning money, but have a higher winning probability, as compared with a payer who selects a winning probability 20.

Further, a finance payment server CBS1 is installed in a credit card company issuing the credit card, department, large discount mart, a total management center of various kinds of chain stores, etc. It performs authentication and card payment of the purchaser based on the card number, sale details information, and approval or disapproval information, sent from the electronic authentication server ES over a VAN upon payment of the credit card.

In addition, the finance payment server CBS1 receives sale details information from the card inquiry terminal A1-An in response to an amount payment request of the credit cards possessed by the users from the electronic authentication server ES, confirms a payment amount for the credit card of each user, and conducts card payment thereon.

Meanwhile, the payment/lottery management server PSLMS accepts the card information and sale details and the winning probability information selected by the customer, provided from the card payment terminal A1-An installed in the chain stores, gives a sequence number of payment within each group pre-classified by winning probabilities, and decides whether or not the customer is a prize winner. If a purchaser or a payer is decided to be a prize winner, the server PSLMS judges as to whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated therewith. If the issuer is affiliated with the server PSLMS, the server PSLMS sends the winning or non-winning information to the card payment terminal A1-An, to make payment for a payment amount excluding the winning money.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the second embodiment of the invention as structured above will be described in detail with reference to the accompanying drawings.

FIG. 8 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the second embodiment of the present invention.

First of all, the server PSLMS performs the sequence numbering process by winning probability groups selected by customers. If a card user makes payment for a purchase amount of goods or a usage fee of services through his or her credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals A1-An.

At this time, the card payment terminal A1-An sends the card number and card information stored in the credit card, a terminal ID number, payment amount information and winning probability information selected by the customer to the server PSLMS via the data communication network. Then, the server PSLMS gives a payment sequence number after a previous payment sequence number within the group classified based on the winning probability information selected by the card payer.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is non-winner, it sends the non-winning information to the card payment terminal A1-An. For example, the server PSLMS provides the card payment terminal A1-An with message data as follows: your authentication number is 19^(th) which is the prior number of the prize winner. Then, the card payment terminal A1-An sends a payment signal to the electronic authentication server ES, to make an approval request through a credit inquiry. The electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information provided from the server PSLMS with the payment information.

On the contrary, if the customer is a prize winner, the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer based on the winning money information for each group, and sends the winning information (winning amount information) to the card payment terminal A1-An.

For instance, if the customer is decided to be one prize winner of 20 persons by selecting the 5% winning probability, the server PSLMS judges a used amount of the customer, accumulates certain rates of the used amount of 20 persons, and decides the accumulated money as the winning money. Therefore, the winning money given by the server PSLMS is different depending on the used amount of the customer, even within the same winning probability group. In conclusion, this leads to the promotion of consumption and eventually to the effect of economic stimulation.

Then, the card payment terminal A1-An sends the payment information excluding the winning money to the electronic authentication server ES, to make an approval request through a credit inquiry. The electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information sent from the server PSLMS with the payment information. The server PSLMS updates the payment sequence number of the prize winner with 0 if there is the prize winner.

Meanwhile, although not shown in the drawings, in a state where the server PSLMS does not classify the groups by the winning probabilities selected by the customers, if the lottery based on the payment sequence numbers by the winning probabilities is performed, the server PSLMS judges whether or not the payer is a prize winner by the payment sequence numbering process which is based on the payment amount information and the winning probability information provided from the terminal A1-An.

In other words, in the state where the sequence number of payment of the prize winner is assumed to be 0 as a reference point, if one payer makes payment in the 10^(th) sequence number, the payer is decided to be a prize winner if he or she selects 10-person group winning probability, and to be non-winner if he or she selects 20-person group winning probability. Further, if the person making payment is non-winner, a payer following that payer becomes an 11^(th) sequence number of payment. Therefore, the payer may be a prize winner or may non-winner according to the winning probability selected by him/her. If the payer is non-winner, only one sequence number of payment increases, which decides a payment sequence number of a next payer.

In case where the number of non-winners is 99, if the payer selects the 10-person group winning probability (10% discount probability), the payment sequence number of the payer is 100^(th) which is decided to be a prize winner. In this case, 10% of the used amount of the prize winner is given as the winning money. At this time, the server PSLMS performs the information updating process by considering the fact that the number of the non-winners is 99.

If the person making payment selects the 50-person group winning probability (50% discount probability), the payment sequence number of the payer is also 100^(th) and therefore decided to be a prize winner. And, 50% of the used amount of the prize winner is given as the winning money. At this time, the server PSLMS performs information updating process by considering the fact that the number of the non-winners is 50.

Meanwhile, the present invention can combine the first and the second embodiments as described above. For example, the present invention can establish a system which separately classifies the groups by the winning probabilities selected by the customers within the groups by the payment amounts of the customers, decides the prize winner by conducting the payment sequence numbering process, and tenders the reserve fund accumulated until prior to occurrence of the prize winner as the winning money.

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with a third embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 9 is a block diagram showing a structure of a sever PSLMS in accordance with a third embodiment of the present invention.

Referring to FIG. 9, the lottery system using based on the sequence number of payment through the chain store payment terminal of this embodiment is a system which presets various winning probability points which will be participated as the sequence number information of the customers upon payment in the server PSLMS, so that it automatically extracts the preset various winning probability group information through the sequence number information at the time of making payment without a separate customer selection signal, and executes the sequence numbering.

In other words, the winning probability points are used for the customers to select the winning probabilities themselves in such a way to tender the winning money by regarding the prepaid 9 persons as non-winners and the 10^(th) payer as the prize winner if the customer selects the 10% winning probability point. At this time, if the winning probability point selected by the customer is 10%, 10% of the used amount of the customer is discounted or accumulated as the winning money.

At this time, the proprietor of the chain store provides certain rates of sales (e.g., 1%, 2%, etc.) previously agreed by payment customers as financial resources of the winning money. The server PSLMS supplies the winning money to the prize winner with the financial resources. Therefore, although there exists only one prize winner out of 10 persons within the 10% winning probability point group, the winning money is not supplied to the 10^(th) prize winner by accumulating reserve funds of 9 persons before the prize winner. But, a certain rate of an average used amount becomes an average accumulated reserve fund by computing an average used amount, an average accumulated reserve fund and an average winning money paid amount. At this time, the average accumulated reserve fund is used as the financial resources of the winning money and tendered to the prize winner.

Accordingly, the server PSLMS automatically extracts the preset winning probability point group information through the sequence number information of the customer without a separate customer selection signal at the time of payment of the customer and then executes the sequence numbering. By doing so, the customer does not conduct any separate selection and thus can offer convenience to the customer.

For this, in the lottery system based on the sequence number of payment through the chain store payment terminal of this embodiment, there are provided customer PCs PC1-PCn (see FIG. 13) for the customer to register the winning probability point information that is selection information for the sequence numbering of payment in the server PSLMS in advance.

Further, the server PSLMS is provided to register the sequence number information (winning probability point) for each customer from the customer PC PC1-PCn, decide the prize winner by extracting the pre-registered sequence number information of the customer depending on the payment signal sent from the chain store terminal A1-An and automatically executing the sequence numbering within the winning probability point group, and offer information to tender the winning money or make discount payment.

As shown in the same drawing, the server PSLMS is constituted by gateways, a connection part, an authentication center AUC, a connection sensing processor, a group designation processor, a sequence numbering processor, a chain store cost settlement processor, a customer sequence numbering processor, a data storage part, and a control module.

Each of the gateways (WEB, WAP gateway) 2 a to 2 n is for matching data transmitted through a web network and a radio Internet network with a protocol in the server PSLMS. The connection part 4 serves to connect data provided though the gateway 2 a-2 n to an inside module of the server PSLMS.

The AUC 6 is a processor which authenticates whether a chain store is an affiliated chain store based on an ID number such as an MAC address of the card payment terminal A1-An of each chain store, or whether the customer is which customer depending on the customer information sent from the customer PC PC1-PCn. The connection sensing processor 8 a functions to check the connection status of the card payment terminal A1-An and the customer PC PC1-PCn of each chain store.

Further, the group designation processor 8 b designates groups pre-classified by payment amounts of customers transmitted from the card payment terminal A1-An, wherein a group corresponding to a payment amount is designated when the payment amount information of a specific customer is applied from the terminal A1-An.

The sequence numbering execution processor 8 c, in a state where the group is designated in the group designation processor 8 b decides a sequence number of payment of the customer within the group, depending on the payment amount information of the customer from the card payment terminal A1-An and the sequence number information (winning probability point) preset by the customer.

The chain store cost settlement processor 8 d settles amount to be paid by the card payment terminal A1-An of the chain store by subtracting the winning money from the payment amount for the customer. The customer sequence numbering processor 8 e registers winning probability point information selected when the customer connects thereto using the customer PCs PC1-PCn via the web network. When a payment signal is applied later, it extracts the winning probability point information pre-registered by the customer so that the sequence numbering can be conducted within the corresponding winning probability point group.

The data storage part 10 stores the ID numbers of the card payment terminals A1-An of the respective chain stores and affiliated chain store information by the ID numbers. In addition, it stores payment sequence number information by payment amount groups, winning information for each group, and various winning probability point information pre-registered by the customers.

Meanwhile, the control module 12, based on the payment amount information and chain store codes provided from the card payment terminals A1-An through the gateways 2 a-2 n, confirms whether or not each chain store is an affiliated chain store through the AUC 6, and confirms whether each customer is a prize winner or non-winner depending on the payment sequence number within the corresponding group in the state where the groups by payment amounts are designated. Further, it registers the winning probability point information pre-selected by the customer and extracts the pre-registered winning probability point information when a payment signal is applied later so that the sequence numbering can be done within the corresponding winning probability point group.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the third embodiment of the invention will be described in detail with reference to the accompanying drawings.

FIG. 10 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with the third embodiment of the present invention.

First of all, the server PSLMS separately classifies payment sequence numbers by winning probability groups selected by customers and performs the sequence numbering process of the customer for each group. If a card user makes payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals A1-An. At this time, the customer can set the winning probability point group information in the server PSLMS via the web network in advance. Thus, the server PSLMS can automatically execute the sequence numbering based on the winning probability point group information of the customer pre-registered therein at the time of payment, without generating a separate selection signal.

At this time, the card payment terminal A1-An sends the card number and card information stored in the credit card, a terminal ID number, and payment amount information to the server PSLMS via the data communication network. Then, the server PSLMS can conduct the sequence numbering by searching information on the card payer from the DB to extract the pre-registered winning probability point group information.

In other words, the winning probability points are used for the customers to select the winning probabilities themselves in such a manner to tender the winning money by regarding the prepaid 9 persons as non-winners and the 10^(th) payer as the prize winner if the customer selects the 10% winning probability point. At this time, if the winning probability point selected by the customer is 10%, 10% of the used amount of the customer is discounted or accumulated as the winning money.

Accordingly, if the customer can register and set the winning probability point group information in the server PSLMS via the web network in advance, the server PSLMS can execute the sequence numbering by automatically extracting the pre-registered winning probability point group information of the customer at the time of making payment although the customer does not generate a separate selection signal through the chain store terminal A1-An.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it sends the non-winning information of the customer to the card payment terminal A1-An. For example, the server PSLMS provides the card payment terminal A1-An with message data as follows: your authentication number is 19^(th) which is the prior number of the prize winner. Then, the card payment terminal A1-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information provided from the server PSLMS with the payment information.

On the contrary, if the customer is a prize winner, the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer based on the winning money information for each group, and sends the winning information (winning amount information) to the card payment terminal A1-An.

If the customer is decided to be one prize winner of 20 persons by selecting a 5% winning probability, the server PSLMS judges a used amount of the customer depending on the payment information of the customer applied thereto and calculates certain rates of the used amount as the winning money. Therefore, the winning money given by the server PSLMS is different depending on the used amount of the customer, even within the same winning probability group. In result, this leads to the promotion of consumption and eventually to the effect of economic stimulation.

Then, the card payment terminal A1-An sends the payment information excluding the winning money to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES produces a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information sent from the server PSLMS with the payment information. The server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.

Meanwhile, although not depicted in the drawings, in a state where the server PSLMS does not classify the groups by the winning probabilities selected by the customers, if the lottery based on the payment sequence number by the winning probabilities is conducted, the server PSLMS judges whether or not the person making payment is a prize winner by the payment sequence numbering process by the winning probabilities on the basis of the payment amount information and winning probability information provided from the terminal A1-An.

In other words, in the state where the payment sequence number of the prize winner is assumed to be 0 as a reference point, if one payer makes payment in the 10^(th) sequence number, the payer is decided to be a prize winner if he or she selects the 10-person group winning probability, and to be non-winner if he or she selects the 20-person group winning probability. Further, if the payer is non-winner, a payer following that payer becomes an 11^(th) sequence number of payment. Therefore, the payer may be a prize winner or may non-winner according to the winning probability selected by him/her. If the payer is non-winner, only one sequence number of payment increases, which decides the payment sequence number of a next payer.

In case where the number of non-winners is 99, if the person making payment selects the 10-person group winning probability (10% discount probability), the payment sequence number of the payer is 100^(th) which is decided to be a prize winner. In this case, 10% of the used amount of the prize winner is given as the winning money. At this time, the server PSLMS performs the information updating process by considering the fact that the number of non-winners is 90 persons.

In the same way, if the payer selects the 50-person group winning probability (50% discount probability), the payment sequence number of the payer is also 100^(th) which is decided to be a prize winner. And, 50% of the used amount of the prize winner is given as the winning money. At this time, the server PSLMS performs the information updating process by considering the fact that the number of non-winners is 50 persons.

Meanwhile, the present invention can commonly employ the first and the second embodiments. For example, the present invention can establish a system which separately classifies the groups by the winning probabilities selected by the customers within the groups by the payment amounts of the customers, decides the prize winner by executing the payment sequence numbering, and tenders the reserve fund accumulated until prior to occurrence of the prize winner as the winning money.

FIG. 11 is a diagram showing a customer selection signal generation status of a lottery system based on the sequence number of payment in accordance with a fourth embodiment of the present invention.

In FIG. 11, the lottery system based on the sequence number of payment according to this embodiment is a system which allows the payment customer to select a winning money reserving, discount, and no-interest installment as compensation of the winning money. That is, when a customer makes payment, he or she can select a winning money supply form in various types. In case of reserving and discount, the winning probability is low, while its amount is large. And in case of no-interest installment, an installment fee is given by the financial resources reserved in the server PSLMS, and thus is relatively small compared with the winning money, which has a higher winning probability.

The reserving and discount were explained in other embodiments, and therefore, a detailed description thereon will be omitted here. Hereafter, the present embodiment will be described with respect to the no-interest installation as the winning supply form.

In case of no-interest installation, the server PSLMS incorporates therein a processor (not shown) for giving a sequence number of no-interest installment group, wherein pre-classified group information is provided by the processor.

That is, when the information of a customer which selects no-interest installment and payment information are sent to the server PLSMS, the server PSLMS gives a sequence number of each customer, decides one per certain customers out of customers who select no-interest installment and make payment to be a prize winner, and provides the prize winner with no-interest installment service as compensation for the prize winning.

At this time, the server PSLMS separately classifies the payment customers being subjected to the sequence numbering into plural groups for no-interest installment. For example, the plural groups include 3-month no-interest installment, 5-month no-interest installment, and 12-month no-interest installment. According to selection of the payment customer, the sequence number is given within the corresponding group. For example, customers who select 3-month no-interest installment are classified into the same group, and in this case, one per 3 persons is decided to be a prize winner. And customers who select 5-month no-interest installment are classified into the same group, and in this case, one per 5 persons is decided to be a prize winner. Similarly, customers who select 12-month no-interest installment are classified into the same group, and in this case, one per 12 persons is decided to be a prize winner.

In this system, the proprietor of the chain store provides the server PSLMS with a certain rate of sale that is paid by the payment customer. The server PSLMS conducts cost settlement through connection with the credit card company so that the installment fee generated by no-interest installment for goods paid by the payment customer can be paid to the credit card company.

Hereinafter, the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the fourth embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 12 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fourth embodiment of the present invention;

First of all, the server PSLMS separately classifies no-interest installment information and no-interest groups selected by the customers, and gives a sequence number of payment within a group by automatically extracting the group upon payment by the customer. If a card user makes payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals A1-An.

At this time, the card payment terminal A1-An sends the card number and card information stored in the credit card, a terminal ID number, payment amount information and no-interest installment information selected by the customer to the server PSLMS via the data communication network. Then, the server PSLMS gives a payment sequence number after a previous payment sequence number within the group classified depending on the no-interest installment information selected by the card payer.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is non-winner, it sends the non-winner information of the customer to the card payment terminal A1-An. For example, the server PSLMS provides the card payment terminal A1-An with message data as follows: your authentication number is 2^(nd) which is the prior number of the prize winner. Then, the card payment terminal A1-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information (no-interest installment information) provided from the server PSLMS with the payment information.

On the contrary, if the customer is a prize winner, the server PSLMS sends the payment amount information of the customer and the winning information (winning money information) to the card payment terminal A1-An, by using the no-interest installment winning information for each group.

Then, the card payment terminal A1-An sends the payment information to the electronic authentication server ES together with the no-interest installment winning information, to make an approval request through a credit inquiry. The electronic authentication server ES provides a signal for request of the credit inquiry, card payment, and no-interest installment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 conducts a no-interest installment process and at the same time sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information (no-interest installment information) sent from the server PSLMS with the payment information. The server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.

Meanwhile, although not shown in the drawings, the server PSLMS allows the customers to select more concrete no-interest installment information via the card payment terminals A1-An prepared in the chain stores. Namely, the server PSLMS classifies no-interest groups into a 3-month no-interest group, a 5-month no-interest group, a 12-month no-interest group, wherein the sequence numbering is carried out within the no-interest group selected by the customer.

For example, payment customers who select 3-month no-interest installment are classified into the same group, and in this case, one per 3 persons is decided to be a prize winner. And payment customers who select 5-month no-interest installment are classified into the same group, and in this case, one per 5 persons is decided to be a prize winner. Similarly, payment customers who select 12-month no-interest installment are classified into the same group, and in this case, one per 12 persons is decided to be a prize winner.

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with a fifth embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 13 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with a fifth embodiment of the present invention.

Referring to FIG. 13, the lottery system based on the sequence number of payment according to this embodiment is a system which decides a specific prize winner by giving a sequence number of payment within the group for goods sale amount or winning probability selected by the customer, even upon payment in on-line shopping mall, and through mobile and ARS, discounts the payment amount and decides a size of each group by making the customer select the winning probability oneself.

Hereinafter, a description will be given only with respect to the system which conducts the payment sequence numbering within each group by the goods sale amounts in the on-line shopping mall. The mobile and ARS payment, and the payment sequence numbering process by winning probabilities were already mentioned, and thus, details thereof will be omitted here.

For this, the lottery system based on the sequence number of payment of this embodiment is equipped with a key button for generating a payment signal, certified authentication information, etc., and a web browser. Further, the system includes payer PC PC1-PCn provided with a communication module for remotely sending required information, and on-line payment servers PS1-PSn which are disposed in the on-line shopping mall, receive a payment request signal from the payer PC PC1-PCn, send the payment amount information of goods thereto, and make payment by a payment processor (not shown) provided therein.

In addition, the lottery system based on the sequence number of payment of this embodiment has a finance server CBS1 which conducts a card payment process of goods amount based on the payment information transmitted from the payer PC PC1-PCn through the on-line payment server PS1-PSn.

Also, the lottery system based on the sequence number of payment of this embodiment further has a server PSLMS which gets the payment amount information and payer information, pre-given on-line shopping mall ID number information from the on-line payment server PS1-PSn, gives a payment sequence number within a pre-classified payment amount group, and decides whether or not the customer is a prize winner. A first database DB1 included in the server PSLMS stores the payment sequence number information of the pre-classified payment amount group, the on-line shopping malls ID number information, prize winner information, etc.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the fifth embodiment of the invention will be described in detail with reference to the accompanying drawings.

FIG. 14 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fifth embodiment of the invention.

First of all, the server PSLMS designates and classifies respective payment amounts into plural amount unit groups, gives a sequence number of payment for each group, and generates a payment signal in a state where the on-line shopping mall payer connects to the on-line payment server PS1-PSn through the payer PC PC1-PCn.

Then, the on-line payment server PS1-PSn sends the payment amount information of the payer and the pre-given on-line shopping mall ID number to the server PSLMS through the data communication network. The server PSLMS gives a sequence number of payment after a previous payment sequence number within the pre-classified group depending on the payment amount information of the card payer.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it sends the non-winning information to the on-line payment server PS-PSn. For example, the server PSLMS provides the on-line payment server PS-PSn with message data as follows: your authentication number is 19^(th) which is the prior number of the prize winner. Then, the on-line payment server PS-PSn sends the non-winning information to the payer PC PC1-PCn.

Further, the on-line payment server PS-PSn generates a signal for request of the credit inquiry of the card and card payment to the finance server CBS1. The finance server CBS1 conducts the card payment process of the payer and sends the payment information of the customer to the on-line payment server PS1-PSn. Then, the on-line payment server PS1-PSn sends the winning information provided from the server PSLMS with the payment information to the payer server PC1-PCn for outputting the same on its screen.

On the contrary, if the customer is a prize winner, the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer, and sends the winning information (winning money information) to the on-line payment server PS1-PSn. Then, the on-line payment server PS1-PSn sends the payment information excluding the winning money to the finance server CBS1, together with the signal for request of a credit inquiry and payment of the card.

Further, the finance server CBS1 sends the payment information of the customer to the on-line payment server PS1-PSn. Then, the on-line payment server PS1-PSn sends the winning information from the server PSLMS to the payer PC PC1-PCn with the payment information for outputting the same on its screen. The server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.

FIGS. 15 and 16 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fifth embodiment of the present invention.

First, FIGS. 15 and 16 are flowcharts describing a sequence numbering procedure of a payment customer through ARS. Since an ARS purchase customer or web purchase customer including home shopping does not purchase goods directly off-line but purchases goods with viewing images sent through TV or PC, there is a high rate of returned goods.

Thus, in case of returned goods, since there is a need for a refund of an amount for a certain rate of sale provided by the chain store as the financial resources of the winning money upon payment back to the chain store and a settlement therefor, it is difficult to provide the sequence numbering service of the present invention to the customers who have a possibility of returned goods. Therefore, there is a need for a sequence numbering service capable of excluding the possibility of returned goods. This will be described in detail with reference to FIGS. 15 and 16 hereafter.

First of all, FIG. 15 describes that, as penalty for a customer who has the number of times of returned goods greater than a reference number on a month or year basis, the sequence numbering service is not provided in that month.

More specifically, the server PSLMS designates and classifies respective payment amounts into plural amount unit groups, gives a sequence number of payment of a customer for each group, and generates a payment signal by inputting personal information to receive goods through ARS in the state where a payer of home shopping goods connects to the on-line payment server PS1-PSn through a payer's telephone terminal (not shown).

Then, the on-line payment server PS1-PSn sends the payment amount information of the payer, the purchaser personal information and the pre-given home shopping mall ID number to the server PSLMS through the data communication network. The server PSLMS extracts returned goods information of the customer depending on the payment amount information and personal information of the card payer, and compares it with reference sequence number information.

If a payment customer returns goods above a predetermined number of times which is a reference returnable within one month, the server PSLMS classifies the customer as a customer who cannot receive the sequence numbering service in that month and generates sequence numbering service impossibility information. If the customer returns goods below a reference number of times a month, the server PSLMS gives a payment sequence number after a previous payment sequence number within the pre-classified group based on the payment amount information of a person making the card payment.

Through this, the server PSLMS can confirm in real times whether the customer is a prize winner or a sequence numbering service impossibility customer. If the customer is a sequence numbering service possibility customer but non-winner, the server PSLMS sends the non-winning information on the customer to the on-line payment server PS-PSn. For example, the server PSLMS provides the on-line payment server PS-PSn with message data as follows: your authentication number is 19^(th) which is the prior number of the prize winner. Then, the on-line payment server PS-PSn outputs the non-winning information (or sequence numbering service impossibility information) to a telephone terminal (not shown) of the payer as voice through ARS.

Further, the on-line payment server PS-PSn generates a signal for request of a credit inquiry and card payment of the card to the finance server CBS1. The finance server CBS1 conducts the card payment process of the payer and sends the payment information of the customer to the on-line payment server PS1-PSn. Then, the on-line payment server PS1-PSn outputs the non-winning information (or sequence numbering service impossibility information) from the server PSLMS with the payment information to the telephone terminal of the payer as voice through ARS.

On the contrary, if the customer is a sequence numbering service possibility person and a prize winner, the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer, and outputs the winning information (winning money information) to the telephone terminal of the payer as voice through ARS. Then, the on-line payment server PS1-PSn sends the payment information excluding the winning money to the finance server CBS1 together with the signal for request of a credit inquiry and payment of the card.

Further, the finance server CBS1 sends the payment information of the customer to the on-line payment server PS1-PSn. Then, the on-line payment server PS1-PSn outputs the winning information from the server PSLMS with the payment information to the telephone terminal of the payer as voice through ARS. The server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.

Next, FIG. 16 describes a method which provides the payment sequence numbering service to a purchase customer after the term of returned goods out of home shopping goods has expired, or after the customer receives the goods and sends a purchase decision signal.

First of all, as shown in the same drawing, a description is given for a procedure for providing the payment sequence numbering service to the purchase customer after the term of returned goods out of home shopping goods has expired. The server PSLMS designates and classifies respective payment amounts into plural amount unit groups, gives a sequence number of payment of the customer for each group, and generates a payment signal by inputting personal information to receive goods through ARS in the state where a payer of home shopping goods connects to the on-line payment server PS1-PSn through the payer's telephone terminal.

Then, the on-line payment server PS1-PSn sends the payment amount information of the payer, the purchaser personal information, the pre-given home shopping malls ID number, and the information on the term of returned goods to the server PSLMS through the data communication network. The server PSLMS designates a following payment sequence numbering possibility date of the customer, and produces a serial number associated with the payment sequence numbering possibility date information, depending on the payment amount information, the personal information, and the information on the term of returned goods of the card payer. Thereafter, the server PSLMS registers the serial number together with the customer information and the payment sequence numbering possibility date information.

Further, the server PSLMS provides the on-line payment server PS-PSn with the serial number and the payment sequence numbering possibility date information. Then, the on-line payment server PS-PSn performs the payment process through the credit card of the customer, and outputs the payment sequence numbering possibility date information with the payment information to the telephone terminal of the payer as voice through ARS.

At this time, when the customer makes a web connection or an ARS connection to the server PSLMS and inputs the pre-given serial number upon arrival of the payment sequence numbering service possibility date, the server PSLMS extracts the pre-registered personal information of the customer and payment information depending on the serial number, and performs the group classification by payment amounts on the basis of the payment information.

Further, the server PSLMS decides whether or not the customer is a prize winner by conducting the payment sequence numbering service within the corresponding group. Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it outputs the non-winning information to the telephone terminal of the payer as voice through ARS or sends it to the customers PC for its output.

On the contrary, if the customer is a prize winner, the server PSLMS generates a winning money reserving request signal to the finance server CBS1 by using the credit card number of the customer to make the winning money reserved.

Hereinafter, although not shown in the drawing, a method for providing the sequence numbering service after the customer receives goods and generates a purchase decision signal will be described.

First, the server PSLMS designates and classifies respective payment amounts into plural amount unit groups, gives a sequence number of payment of the customer for each group, and generates a payment signal by inputting personal information to receive goods through ARS in the state where a payer of certain home shopping goods connects to the on-line payment server PS1-PSn through a payer's telephone terminal.

Then, the on-line payment server PS1-PSn sends the payment amount information of the payer, the purchaser personal information, the pre-given home shopping malls ID number, and the returned goods term information to the server PSLMS through the data communication network. The server PSLMS issues a serial number associated with the payment amount information of the card payer, and registers the serial number together with the customer information.

Further, the server PSLMS provides the on-line payment server PS1-PSn with the serial number information. Then, the on-line payment server PS1-PSn performs the payment process through the credit card of the customer, and outputs the serial number information with the payment information to the telephone terminal of the payer as voice through ARS.

At this time, when the customer generates a purchase decision signal of the goods to the on-line payment server PS1-PSn by making a web connection or by using ARS through the telephone terminal after receipt of the goods, the on-line payment server PS1-PSn sends the purchase decision signal of the customer to the server PSLMS.

After that, when the customer makes a web connection or ARS connection to the server PSLMS and inputs the pre-given serial number, the server PSLMS extracts the pre-registered personal information of the customer, the payment information and the goods purchase decision information depending on the serial number, and performs the group classification by payment amounts on the basis of the payment information.

Further, the server PSLMS decides whether or not the customer is a prize winner by conducting the payment sequence numbering within the group.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it outputs the non-winning information to the telephone terminal of the payer as voice through ARS or sends it to the customers PC for its output.

On the contrary, if the customer is a prize winner, the server PSLMS generates a winning money reserving request signal to the finance server CBS1 by using the credit card number of the customer to make the winning money reserved.

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with a sixth embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 17 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with a sixth embodiment of the present invention.

Referring to FIG. 17, the lottery system based on the sequence number of payment of this embodiment is a system which aggregates certain rates of service charges occurred when each finance company sells finance goods in response to a corresponding event generation number, upon occurrence of finance payment events such as a deposit, installment savings, loan, remittance, insurance entry, etc, decides a specific event sequence number to be a prize winner for each goods sale amount group, and discounts interest, various kinds of service charges, loan principal or an insurance bill.

In case of loan (or principal), the lottery system based on the sequence number of payment of this embodiment can readjust a loan interest rate and a loan principal by grouping them by loan amounts, and giving a sequence number within each group classified by loan amount units at the time of occurrence of loan, to thereby decide a prize winner.

In this case, the lottery system based on the sequence number of payment of this embodiment is provided with finance payment servers CBS1-CBSn which generate loan therefrom and send a loan goods sale signal and loan amount information to a remote server PSLMS, and the server PSLMS which receive the loan amount information, loan applicant information and pre-given finance company ID number information from the finance payment servers CBS1-CBSn, give a sequence number within each group pre-classified by loan amount units, decide a prize winning or non-winning, perform a discount settlement process according to an interest discount rate or loan principal discount rate pre-designated by the finance company.

Further, in case of insurance, the lottery system based on the sequence number of payment of this embodiment can separately discount an insurance entrance fee by grouping insurance entrance fees, and giving a sequence number within each group classified by insurance amount units upon entry of insurance or transfer of an insurance bill to thereby decide a prize winner.

In this case, the lottery system based on the sequence number of payment of this embodiment is provided with an insurance company server (not shown) which sells insurance goods and send an insurance goods sale signal, insurance amount information, and monthly payment amount information to a remote server PSLMS, and the server PSLMS which receives the customer information, the insurance company information, the insurance entrance fee information, and the monthly payment amount information from the insurance company server, give a sequence number within each group classified by insurance amounts, decide prize winning or non-winning, perform an insurance payment amount discount settlement process pre-designated by the insurance company.

The lottery system based on the sequence number of payment of this embodiment can decide a prize winner by giving a sequence number for each service charge to be tendered to the finance company according to an occurrence time of each of events such as remittance, exchange, etc. upon conduction of their finance services. In this case, plural groups are formed based on each remittance amount and each exchange amount, and the sequence numbering for each event occurrence is conducted within each group.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the sixth embodiment of the invention will be described in detail with reference to the accompanying drawings.

FIGS. 18 and 19 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the sixth embodiment of the present invention.

First, FIG. 18 describes a sequence numbering procedure upon selling of loan or deposit goods. The server PSLMS classifies loaned moneys (deposited amount) into plural amount groups and gives a sequence number of event occurrence for each group upon occurrence of loan or deposit event of each customer, wherein the finance payment server CBS1-CBSn which processes loan or deposit goods generate a loan event signal.

Then, the finance payment server CBS1-CBSn sends the loaned money information and pre-given finance company ID number of the loanee to the server PSLMS via the data communication network. The server PSLMS gives a sequence number of payment of the customer after a previous sequence number of payment within a pre-classified group according to the loaned money information of the loanee.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, the server PSLMS outputs the non-winning information on the customer to the finance payment server CBS1-CBSn. For example, the server PSLMS provides the finance payment server CBS1-CBSn with message data as follows: your authentication number is 19^(th) which is the prior number of the prize winner. Then, the finance payment server CBS1-CBSn sends to the payer the non-winning information.

On the contrary, if the customer is a prize winner, the server PSLMS extracts regulation information regulating a loan rate and a loan principal of the customer depending on an interest discount rate or loan principal discount rate pre-designated by the finance company, and sends the winning information (winning money information) to the finance payment server CBS1-CBSn. Then, the finance payment server CBS1-CBSn notifies the finance goods purchaser of the regulated loan rate information or loan principal regulation information. Based on these information, the server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.

Meanwhile, the lottery system based on the sequence number of payment according to this embodiment can be applied to various insurance goods, thereby providing a sequence numbering service of payment. That is, it gives a sequence number of payment for each group classified by monthly payment amounts upon payment of an insurance bill every month, and thus can discount an insurance bill. Also, the lottery system separately gives a sequence number of payment for each group classified by automobile insurance bills upon payment, thus discounting an insurance bill.

FIG. 19 is a flowchart which performs a sequence numbering in order of occurrence of a remittance signal upon remittance using the present invention. First, when a remitter generates a remittance signal (transfer signal) through the Internet banking by his or her PC (not shown) or through the telebanking, the finance payment server CBS1-CBSn sends information on a person making the transfer, transfer amount information, and transfer service fee information to the server PSLMS.

Then, the server PSLMS receives the above-mentioned information and confirms whether or not the remitter is a prize winner by giving a sequence number for each group pre-classified by transfer amounts. Next, the server PSLMS sends the winner information to the finance payment server CBS1-CBSn. Then, the finance payment server CBS1-CBSn notifies the remitter of the fact that he or she draws a winning number in a lottery for reduction in the service charge through his or her PC (not shown) or telephone terminal, and provides a transfer signal to the finance server CB1-CBn.

Of course, even in case of such insurance goods, the payer can choose one of winning probabilities directly by choosing any one of diverse groups in which one of 10 persons is a prize winner, one of 20 persons is a prize winner, and so on.

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with a seventh embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 20 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with a seventh embodiment of the present invention.

Referring to FIG. 20, the lottery system based on the sequence number of payment according to this embodiment is a system which collects winning moneys of certain rates of sale, decides a prize winner by making a customer select a forward sequence numbering or a reverse sequence numbering upon card payment or cash payment and conducting the forward or reverse sequence numbering according to the sequence numbering direction selected by the customer for each payment amount group, and provides the prize winner with a discount or a reserve fund by the collected amount.

As shown in the same drawing, in the lottery system based on the sequence number of payment of this embodiment, when a first payment customer designated by 19^(th) sequence number generates a signal to select a reverse sequence numbering upon payment, the customer is designated by 18^(th) payment sequence number in response to the signal. And, a second payment customer being a next customer is designated by 17^(th) payment sequence number, thereby giving variations on the winning probability according to the customers selection.

For this, this embodiment needs the same technical structure as shown in FIG. 1.

That is, in the lottery system based on the sequence number of payment according to this embodiment, the credit card can be utilized to make the amount payment for purchase of certain goods or usage of service based on its card number and card membership information by a non-contact type card such as an RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.

Further, the card payment terminals A1-An are installed at a multiplicity of affiliated chain stores such as a credit card company, department, a large discount mart, and various kinds of chain stores, which issue the credit cards. In this configuration, each terminal can recognize information contents written in the credit card and generate a payment signal and a selection signal for the reverse or forward sequence numbering to remotely get electronic authentication. In addition, the terminal A1-An can perform signal manipulation for a separate input of payment amount and request of forward (reverse) sequence numbering services to include a purchaser in the lottery provided by the present invention although the goods purchaser makes cash payment, instead of using various cards such as a credit card, a cash card, a debit card, etc.

Also, if the payment terminal A1-An inquires card information of the credit card for purchase payment of goods being sold by the affiliated chain stores at which those terminals are installed, or for payment of service usage, it performs a forward or reverse sequence numbering according to the selection of the customer within each group pre-classified by payment amounts upon payment by the credit card. If the sequence number of card payment corresponds to a predetermined specific sequence number, the terminal recognizes the payer of the preset specific number as a prize winner and performs a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays winning or non-winning information that is provided according to conduction of card payment on its screen in real times, and prints details thereon.

Further, the electronic authentication server ES receives the card number and sale details of the credit card through data communication with each of the card inquire terminals A1-An installed at the affiliated chain stores over the data communication network, and performs a transmission of card credit inquiry information and an approval process of amount payment.

If the electronic authentication server ES gives a sequence number of card payment within each payment amount group based on the payment amount information that is created when the users use credit cards for the card inquiry terminals A1-An by employing the sequence numbering way (forward or reverse sequence numbering), and decides a credit card making card payment to be a prize winner if the given sequence number matches the predetermined specific sequence number. Besides, it sends information on the prize winning result to one of the card inquiry terminals inquiring the credit card which is the prize winner, via the data communication network.

At this time, the financial resources of winning money is prepared by aggregating amounts of certain rates of purchase moneys by purchasers from a corresponding affiliated chain store, and is tendered to the purchaser with the specific sequence number. In this embodiment, the winning money can be distributed more reasonably by providing it differently depending on the sequence numbering direction selected by the customer.

For example, as depicted in FIG. 20, when it is assumed that a customer making payment is 19^(th) sequence number, if he or she selects a reverse sequence numbering at the time a payer of 20^(th) sequence number will become a prize winner, a next payer is designated by 18^(th) sequence number. Therefore, in this case, there may be no prize winner until more reserve fund is accumulated, and the winning money becomes large. Of course, if the next payer also selects the reverse sequence numbering in the same manner, the customer is designated back by 18^(th) sequence number, and a following customer becomes 20^(th) sequence number which is a prize winner unless he or she selects a reverse sequence numbering. Therefore, the accumulated money of payment amount of one person is further added to the winning money.

Further, the finance payment server CBS1 is installed in a credit card company, department, a large discount mart, a total management center of various kinds of chain stores, or the like, which issues diverse credit cards. In this arrangement, it performs authentication and card payment of the purchaser through an approval by a card number and sale details information of the customer upon payment of credit card sent from the electronic authentication server ES over VAN.

Meanwhile, the finance payment server CBS1 receives sale details information from each of the card inquiry terminals A1-An in response to an amount payment request of the credit cards possessed by the users from the electronic authentication server ES, confirms a payment amount for the credit card of each user, and conducts card payment thereon.

In addition, the server PSLMS accepts the card information and sale details, and the sequence numbering direction information selected by the customers, provided from the card payment terminals A1-An installed in the affiliated chain stores, gives a sequence number of payment (forward or reverse sequence numbering) within each group pre-classified by payment amounts, and decides the prize winning or non-winning. In the case a purchaser or a payer is decided to be a prize winner, the server PSLMS judges whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated therewith. If the issuer is affiliated with the PSLMS, the server PSLMS sends the prize winning or non-winning information to the card payment terminal A1-An to make payment for a payment amount excluding the winning money.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the seventh embodiment of the invention will be described in detail with reference to the accompanying drawings.

FIG. 21 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the seventh embodiment of the present invention.

First of all, the server PSLMS gives a sequence number of payment within each group pre-classified by payment amounts of customers, which may have a high or low sequence number, according to a sequence numbering direction selected by each customer. If a card user makes a payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals A1-An.

At this time, the card payment terminal A1-An sends the card number and card information stored in the credit card, a terminal ID number, payment amount information and the sequence numbering direction information (forward or reverse sequence numbering) selected by the customer to the server PSLMS via the data communication network. Then, the server PSLMS designates a pre-classified group by payment amounts based on the payment amount information and gives a payment sequence number after or before a previous payment sequence number within the group according to the sequence numbering direction information selected by the payer.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it sends the non-winning information on the customer to the card payment terminal A1-An. For example, the server PSLMS provides the card payment terminal A1-An with message data as follows: your authentication number is 19^(th) which is the prior number of the prize winner and the sequence numbering is progressing in reverse direction when the payer selects the reverse sequence numbering. Then, the card payment terminal A1-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information provided from the server PSLMS with the payment information.

On the contrary, if the customer is a prize winner, the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer based on the winning money information for each group, and sends the winning information (the winning money information) to the card payment terminal A1-An. Then, the card payment terminal A1-An sends the payment information excluding the winning money to the electronic authentication server ES, to make an approval request through a credit inquiry. The electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information sent from the server PSLMS with the payment information. The server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with an eighth embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 22 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with an eighth embodiment of the present invention.

Referring to FIG. 22, the lottery system based on the sequence number of payment of this embodiment is a system which collects winning moneys of certain rates of sale, decides a prize winner, decides a prize winner by making a customer select a certain sequence number skip number such as 1, 2, or 10 spaces upon card payment or cash payment and conducting a payment sequence numbering according to a sequence number skip selection signal selected by the customer for each payment amount group, and provides the prize winner with a discount or a reserve fund by the collected amount.

As shown in the same drawing, in the lottery system based on the sequence number of payment of this embodiment, when a first payment customer designated by 17^(th) sequence number generates a signal to select a two-space sequence number skip upon payment, the first payment customer is designated by 19^(th) payment sequence number as a new (second) payment customer. And, a next (third) payment customer is designated by 20^(th) payment sequence number, thereby giving variations on the winning probability according to the customer selection.

For this, this embodiment needs the same technical structure as shown in FIG. 1.

That is, in the lottery system based on the sequence number of payment of this embodiment, the credit card can be utilized to make the amount payment for purchase of certain goods or use of service based on its card number and card membership information by a non-contact type card such as an RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.

Further, the card payment terminals A1-An are installed at a multiplicity of affiliated stores such as a credit card company, department, a large discount mart, and various kinds of chain stores, which issue the credit cards. In this arrangement, each terminal can recognize information contents written in the credit cards and generate a payment signal and a payment sequence number skip selection signal to remotely get electronic authentication. In addition, the terminal A1-An can perform manipulation for a separate input of payment amount and the sequence number skip signal to include a purchaser in the object of the lottery provided by the present invention although the goods purchaser makes cash payment.

Also, if the payment terminal A1-An inquires card information of the credit card for purchase payment of goods being sold by the affiliated chain stores at which those terminals are installed, or for payment of service usage, it performs the sequence number skip according to the customers selection within each group pre-classified by payment amounts upon payment by the credit card. If the sequence number of card payment matches a predetermined specific number, the terminal recognizes a payer having the preset specific number as a prize winner and performs a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays winning or non-winning information that provided according to conduction of card payment on its screen in real times, and prints details thereon.

Further, the electronic authentication server ES receives the card number and sale details of the credit card through data communication with each of the card inquire terminals A1-An installed at the affiliated chain stores over the data network, and performs a transmission of the card credit inquiry information and an approval process of amount payment.

If the electronic authentication server ES gives a sequence number of card payment according to the payment sequence number skip selection signal selected by the customer within a group corresponding to the payment amount of the customer among the groups pre-classified by payment amounts based on the payment amount information that is created when the users use credit cards for the card inquiry terminals A1-An, and decides a credit card making card payment to be a prize winner in real times when the given sequence number of the card matches the predetermined specific sequence number. Besides, it sends information on the winning result to one of the card inquiry terminals inquiring the credit card which is the prize winner, via the data communication network.

At this time, the financial resources of winning money is prepared by aggregating amounts of certain rates of purchase moneys by purchasers from the corresponding chain store, and is paid to the purchaser having the specific sequence number. In this embodiment, the sequence number of the payment customer can be changed differently from the given number depending on the sequence number skip selection signal selected by the customer.

For example, as shown in FIG. 22, if a first payment customer designated by 17^(th) sequence number selects a signal to make a two-space sequence number skip, the first payment customer is designated by 19^(th) sequence number as a new (second) payment customer. Therefore, the present invention can give variations on the winning probability according to the customers selection by making a next (third) payment customer designated by 20^(th) sequence number.

Further, the finance payment server CBS1 is installed in a credit card company, department, a large discount mart, or a total management center of various kinds of chain stores, which issues diverse credit cards. In this arrangement, it performs authentication and card payment of the purchaser depending on the card number and sale details information of the customer and an approval or disapproval upon card payment of credit card sent from the electronic authentication server ES over VAN.

In addition, the finance payment server CBS1 receives the sale details information from each of the card inquiry terminals A1-An in response to an amount payment request of the credit card possessed by each user from the electronic authentication server ES, confirms a payment amount for the credit card of each user, and conducts card payment thereon.

Next, the server PSLMS accepts the card information and sale details, and the sequence number skip signal selected by the customer, provided from the card payment terminals A1-An installed in the affiliated chain stores, gives a sequence number of payment within a group corresponding to the payment amount of the customer among the groups re-classified by payment amounts by applying the sequence number skip selected by the customer, and decides whether or not the customer draws a lucky number. In the case a purchaser or a payer is decided to be a prize winner, the server judges whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated therewith. If the issuer is a company that has been affiliated with the PSLMS, it sends the prize winning or non-winning information to each of the card payment terminals A1-An to make payment for a payment amount excluding the winning money.

Hereinafter, the functions and operation of lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the eighth embodiment of the invention will be set forth in detail with reference to the accompanying drawings.

FIG. 23 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the eighth embodiment of the present invention.

First of all, the server PSLMS performs the payment sequence numbering according to the sequence number skip signal selected by a customer within a group corresponding to the payment amount of the customer among the groups re-classified by payment amounts. If a card user makes payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals A1-An.

At this time, the card payment terminal A1-An sends the card number and card information stored in the credit card, a terminal ID number, payment amount information and the sequence number skip information selected by the customer to the server PSLMS via the data communication network. Then, the server PSLMS designates a corresponding pre-classified payment amount group depending on the payment amount information, and gives a payment sequence number of the customer by skipping a previous payment sequence correspondingly to the sequence number skip information (1-, 2-, or 10-space skip) selected by the payer of the card within the group.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it sends non-winning information on the customer to the card payment terminal A1-An. For example, the server PSLMS provides the card payment terminal A1-An with message data as follows: your authentication number is 3^(rd) which is the third number before the prize winner, you draw a losing number, and the sequence number is skipped by 4 spaces when the payer selects a corresponding sequence number skip. Then, the card payment terminal A1-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information provided from the server PSLMS with the payment information.

On the contrary, if the customer is a prize winner, the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer by using the winning money information for the corresponding group, and sends the winning information (winning money information) to the card payment terminal A1-An. Then, the card payment terminal A1-An sends the payment information excluding the winning money to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information sent from the server PSLMS with the payment information. The server PSLMS updates the payment sequence number of the prize winner with 0 if there is the prize winner.

Meanwhile, in performing the payment sequence numbering in the above-described embodiments, the proprietor of the chain store can provide a separate payment sequence numbering service by days, weeks, and months, within a group corresponding to the proprietors payment amount among the groups by payment amounts, wherein the winning probability may be different by the customer selection.

Further, the proprietor of the chain store can separately designate a dull weekday in shopping like Monday, and offer a chance of several times of such payment sequence numbering. Also, the proprietor of the chain store can further offer a chance of several times of such payment sequence numbering by distinguishing the morning of a weekday from others.

Meanwhile, although not shown in the drawings, there may be inclusion of information capable of conducting the payment sequence numbering within each group by amounts larger than a certain payment amount in the barcode (including RFID) of each goods being sold by the large discount mart.

For example, in order to perform the payment sequence numbering by making payment of 120,000 won by a customer, the sequence numbering should be made in 100,000 won range. But, if the information for doing the sequence numbering in 200,000 won range separately from the payment information is included in the barcode information, it can be judged whether or not the payer is a prize winner by confirming if a sequence number given to the payer in the 200,000 won range matches a predetermined sequence number. When the payer is decided to be a prize winner, the accumulated winning money is tendered or an amount discount is made.

Further, by classifying groups by amounts of electronic moneys by using cyber money got by games or electronic money such as advertisement viewing points, and giving sequence numbers by application points of time in each group, a predetermined sequence number is decided to be a prize winner, and electronic money which is provided and accumulated by non-winners may be tendered as the winning money.

FIG. 24 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with a ninth embodiment of the present invention.

Referring to FIG. 24, the lottery system based on the sequence number of payment of this embodiment is a system which integrates and accumulates reserve funds offered by plural chain stores upon purchase of goods by a customer, and discounts by a winning money or accumulates it by deciding the consumer to be a prize winner when an accumulated reserve fund made by selection of the consumer for a specific accumulated amount group exceeds a specific reference amount.

More specifically, as shown in the same drawing, in the lottery system based on the sequence number of payment of this embodiment, the winning criteria in the server PSLMS is made in a manner that a payment customer when an accumulated reserve fund from each chain store exceeds a fixed amount is decided to be a prize winner, not the constant payment sequence number.

That is, each membership chain store provides the server PSLMS with a certain rate of sale as the accumulated reserve fund. Then, the server PSLMS accumulates the reserve fund and decides a payment customer when the accumulated amount is larger than the fixed amount to be a prize winner.

At this time, a payment rate of each chain store may be 1% or 2% of sale. The payment rate may be different by types of business and goods of each chain store. When the reserve fund of a certain rate is accumulated in the server PSLMS, the accumulated reserve fund is as follows: 52,000 won, 62,000 won, etc. upon payment of each customer, as shown in the same drawing.

Therefore, if the winning money is set to 100,000 won in the server PSLMS, a customer who makes payment when there occurs an accumulated amount of the reserve fund exceeding 100,000 won is decided to be a prize winner. Thus, in this system, although it is unknown that some customers are decided to be prize winners, the prize winners are automatically decided upon accumulation of the fixed reserve fund, based on a way wholly different from a random sampling way which is a conventional lottery system.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the ninth embodiment of the invention will be described in detail with reference to the accompanying drawings.

FIG. 25 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the ninth embodiment of the present invention.

First, the server PSLMS registers a specific accumulated money as a winning money therein (ST-1). In this state, if a customer makes payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals A1-An.

At this time, the card payment terminal A1-An sends the card number and card information stored in the credit card, a terminal ID number, and payment amount information to the server PSLMS via the data communication network (ST-2). Then, the server PSLMS determines a reserve fund depending on the payment amount information, and accumulates the same by adding it to a previously accumulated amount (ST-3).

Next, the server PSLMS judges whether the reserve fund accumulated at the time of making payment by the customer exceeds the pre-registered amount through comparison (ST-4).

If the accumulated reserve fund exceeds the pre-registered amount, the server PSLMS decides the payment customer to be a prize winner (ST-9), settles a final payment amount excluding the winning money from the payment amount of the customer by using the winning money information for the corresponding group (ST-10), and sends the winning information (winning money information) to the card payment terminal A1-An.

Then, the card payment terminal A1-An sends the payment information excluding the winning money to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An (ST-11). Then, the card payment terminal A1-An outputs on a receipt the winning information sent from the server PSLMS with the payment information. The server PSLMS updates the payment sequence number of the prize winner with 0 if there is the prize winner.

Meanwhile, if the accumulated reserve fund does not reach the pre-registered amount, the server PSLMS decides the payment customer to be non-winner (ST-5), and sends a payment signal for a payment amount of the customer and non-winning information to the card payment terminal A1-An (ST-6).

Then, the card payment terminal A1-An sends the payment information to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An (ST-8). Then, the card payment terminal A1-An outputs on a receipt the non-winning information provided from the server PSLMS with the payment information.

FIG. 26 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with a tenth embodiment of the present invention.

Referring to FIG. 26, the lottery system based on the sequence number of payment of this embodiment is a system which increases the number of times of visit of consumers to stores and promotes consumption of other goods, by providing a sequence number of even occurrence with discount by means of accumulating a more reserve fund than other goods by accumulation of part of a discounted amount for specific discount event goods as a reserve fund for the lottery system based on the sequence number of payment.

That is, it is first required that, among plural goods being sold in a same store, goods (hereinafter, referred to as big point (BP) goods) giving a greater reserve fund are provided and the guidance notifying that the goods is BP goods is presented outside.

At this time, in case of BP goods, the goods seller provides a greater reserve fund for events, and therefore, a purchaser purchasing such BP goods obtains the effect of discount such as purchasing goods with a higher price. For example, the purchaser receives the sequence numbering service in 100,000 won group without purchasing goods of 100,000 won, thereby getting a discount of 100,000 won as the winning money when he or she draws a winning number.

The lottery system based on the sequence number of payment of this embodiment is executed under a system of a POS terminal that is running in the large mart and a van terminal (e.g., chain stores terminal) of general department, etc., and goes through a different process according to the system of those terminals.

To more specific, referring to the same drawing, the POS

terminal system can judge whether the goods are BP goods or not in real times, and confirm the payment amount of the BP

goods, thereby performing the sequence numbering by including the BP goods in real times. Namely, in 1% reserving chain store, it is required to make 1% accumulation for all goods. But, if there is inclusion of BP goods in the goods, 10% reserving that serves as a reserve fund of higher rate can be done. Therefore, in case of general goods not BP goods, 100 won that is 1% upon payment of 10,000 won is accumulated as reserve resources, and 150 won that is 1% upon payment of 15,000 won is accumulated as reserve resources. But, as for BP goods of 10,000 won with reserve fund of 10%, 1,000 won that is 10% is accumulated as reserve resources. Thus, the customer consumes only 35,000 won, but generates the reserve fund of 1,250 won, thereby accepting the sequence numbering service in the 1,200 won group.

At this time, a residual amount of 50 won is accumulated as a separate point, but can get a discount for the payment amount immediately.

Meanwhile, in the van terminal system which is running in department, a chain store, etc., it does not receive all goods information through a barcode scanner, but executes payment only by input of a total amount to be paid. Therefore, it cannot automatically judge whether or not the target goods are BP goods.

For instance, in 2% reserving chain store, it is generally required to make 1% accumulation for all goods. But, if there is inclusion of BP goods in the goods, 25% reserving that serves as a reserve fund of higher rate can be done. Therefore, in case of general goods not BP goods, 200 won that is 1% upon payment of 10,000 won is accumulated as reserve resources, and 400 won that is 2% upon payment of 20,000 won is accumulated as reserve resources. Meanwhile, as for BP goods of 100,000 won with reserve fund of 25%, 25,000 won that is 25% should be accumulated as reserve resources and the sequence numbering should be done. But, since it is automatically unknown whether the goods are BP goods, 2,000 won that is 2% of 100,000 won is accumulated as reserve resources.

Thereafter, the customer should input the receipt through an input unit of a separate PC or chain store terminal A1-An. At this time, 23,000 won which subtracts 2,000 won of 2% that is subjected to the previous sequence numbering from 25,0000 won that is 25% of 100,000 won of the payment amount of BP goods is sent to the server PSLMS for the sequence numbering.

Thus, the BP goods lead to visiting of more customers to stores and can serve as bait goods. In case of BP goods, if those goods may allow a discount of 50% as event goods, they allow a discount of 40% and provide a residual amount of 10% to the server PSLMS as a reserve fund so that the server PSLMS performs the sequence numbering. Through this, the customer receives a discount of 40% and conducts the sequence numbering of higher rate, thereby increasing an event selling effect.

FIG. 27 is a schematic diagram illustrating the structure of the lottery system based on the sequence number of payment in accordance with the tenth embodiment of the present invention.

referring to FIG. 27, in the lottery system based on the sequence number of payment of this embodiment, the credit card can be utilized to make the amount payment for purchase of certain goods or use of service based on its card number and card membership information by a non-contact type card such as an RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.

Further, the card payment terminals A1-An are installed at a multiplicity of affiliated chain stores such as a credit card company, department, a large discount mart, and various kinds of chain stores, which issue the credit cards. In this arrangement, each terminal can recognize information contents written in the credit cards and generate a payment signal to remotely get electronic authentication. In addition, the terminal A1-An can perform manipulation for separate input of payment amount and sequence number skip signal to include a purchaser in the lottery provided by the present invention although the goods purchaser makes cash payment, instead of using various cards such as a credit card, a cash card, a debit card, etc.

Also, if the payment terminal A1-An inquires card information of the credit card for purchase payment of goods being sold by the affiliated stores at which those terminals are installed, or for payment of service usage, it classifies payment amounts by the credit cards into groups. If a sequence number of card payment within a group matches a specific sequence number predetermined by this embodiment, the terminal recognizes a payer of the specific sequence number as a prize winner and performs a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays winning or non-winning information that is provided according to conduction of the card payment on its screen in real times, and prints details thereon.

Further, there is provided a POS terminal POS which is installed in the large mart and generates a payment signal for payment process and accumulated amount information simultaneously with inputting goods information and information on the number of goods through a barcode scanner Pa connected to its inside.

Also, the card payment terminal A1-An and the POS terminal POS prepared in the chain stores are constituted by a separate card payment terminal which adds a PC function to a common credit card terminal function. In case of this card payment terminal, the proprietor of each chain store may provide the lottery service based on the sequence number oneself according to his or her will, and may also give gift or winning money depending on the visit sequence of customers by chain stores.

Further, the electronic authentication server ES receives the card number and sale details of the credit card through data communication with the card inquire terminal A1-An or the POS terminal POS installed at the affiliated chain stores over the data network, and performs a transmission of card credit inquiry information and an approval process of amount payment.

If the electronic authentication server ES gives a sequence number of card payment within each group by accumulated amounts upon payment through a summation of accumulated amounts including the accumulated amount of BP goods based on the payment amount information that is created when the users use credit cards for each of the card inquiry terminals A1-An or the POS terminal POS, and decides a credit card corresponding to the sequence number of card payment to be a prize winner in real times when the given sequence number matches a predetermined specific sequence number. Besides, it sends information on the prize winning result to one of the card inquiry terminals inquiring the credit card which is the prize winner or the POS terminal POS, via the data communication network. In the same drawing, the second database DB2 stores card numbers for card payment approval of users credit cards, sale amount information of approved cards, and card information.

At this time, the financial resources of winning money are prepared by aggregating amounts of certain rates of purchase moneys by purchasers from the chain store, and are tendered to the purchaser with the specific sequence number. In this embodiment, the winning money can be distributed more reasonably by providing it differently depending on the payment amount of the customer and by goods.

Further, the finance payment server CBS1 is installed in a credit card company, department, a large discount mart, or a total management center of various kinds of chain stores, which issues diverse credit cards. In this arrangement, it performs authentication and card payment of the purchaser through the card number and sale details information, and an approval or disapproval, sent from the electronic authentication server ES over VAN.

In addition, the finance payment server CBS1 receives the sale details information from each of the card inquiry terminals A1-An or the POS terminal POS in response to an amount payment request of the credit cards possessed by the users from the electronic authentication server ES, confirms a payment amount for the credit card of each user, and conducts card payment thereon.

Next, the server PSLMS accepts the card information and sale details, and reserving rate information for each goods, provided from the card payment terminals A1-An installed in the affiliated chain stores, computes a final reserve fund based on the above information, gives a sequence number of payment within a corresponding reserve fund group, and decides whether or not the customer draws a winning number. If a purchaser or a payer is decided to be a prize winner, the server judges whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated with the PSLMS. If the issuer is a company that has been affiliated with the PSLMS, the server PSLMS sends winning or non-winning information to the card payment terminal A1-An or the POS terminal POS to make payment for a payment amount excluding the winning money.

At this time, the winning money may be provided by reducing the payment amount that the purchaser will pay to the issuer (for example, a credit card company, a large discount mart, department, or the like), or by transferring it to a deposit account of the payer. Alternatively, the winning money may be given in the form of a reserve fund of the chain store, game money, or the like, instead of its provision.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the tenth embodiment of the invention will be described in detail with reference to the accompanying drawings.

FIGS. 28 and 29 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment according to the tenth embodiment of the invention.

FIG. 28 illustrates a lottery procedure based on the sequence number which is executed under the POS terminal POS network. First, the server PSLMS receives and registers the information on BP goods from the POS terminal POS arranged in the large mart (ST-20 and ST-21).

Then, the server PSLMS receives payment information from the POS terminal POS (ST-22), extracts pre-registered BP information of a corresponding store, and compares it with the payment information (ST-23), to judge whether or not the payment information on the BP goods is included in the payment information. And, the server PSLMS extracts group information for each reserve fund and conducts a sequence numbering within the group (ST-24, ST-25 and ST-26).

Through the sequence numbering, the server PSLMS judges whether or not a target payer is a prize winner (ST-27), and if he or she is a prize winner, it performs a payment process after reduction of the winning money (ST-28 and ST-29), and sends the winning information and the payment information to the POS terminal POS (ST-30). If there exists a residual reserve fund (ST-31), the server PSLMS processes the residual reserve fund directly (ST-32).

Then, the POS terminal POS receives the payment information and winning information from the server PSLMS and prints these information on a receipt for transmission to the customer.

FIG. 29 illustrates a lottery procedure based on the sequence number which is executed under the network of the card payment terminals A1-An that are van terminals. First, the server PSLMS receives the payment information from the POS terminal POS arranged in department or chain store (ST-40), and computes a reserve fund for the payment amount (ST-41). That is, although there is inclusion of BP goods, the card payment terminal A1-An cannot send individual goods information. Therefore, the server PSLMS does not recognize the point of such BP goods as a particular point and computes a reserve fund by applying a reserving rate of the pre-registered chain store as it is.

The server PSLMS extracts group information for each reserve fund and conducts a sequence numbering within the group (ST-42 and ST-43).

Through the sequence numbering, the server PSLMS judges whether or not a target payer is a prize winner (ST-44), and if he or she is a prize winner, it performs a payment process after reduction of the winning money, and sends the winning information and the payment information to the card payment terminal A1-An (ST-45 and ST-46). If there is a residual reserve fund, the server PSLMS processes the residual reserve fund directly.

Then, the card payment terminal A1-An receives the payment information and winning information from the server PSLMS and prints these information on a receipt for transmission to the customer.

In this state, the customer presents the printed receipt with purchase details of the BP goods to a shop assistant, wherein an additional sequence numbering request signal for the BP goods is provided to the server PSLMS through the chain stores PC or a separate input unit without going through the van server (ST-48 and ST-49). At this time, a reserve fund of the BP goods is 2,000 won and an additional sequence numbering for a reserve fund of 1,800 won is performed if the reserve fund used in doing a general sequence numbering using the BP goods is 200 won (ST-50).

Through the sequence numbering, the server PSLMS judges whether or not a target payer is a prize winner, and if he or she is a prize winner, it accumulates the winning money in the credit card of the customer, and provides the winning information on a screen through the chain stores PC or a separate input unit or prints it. If the payer is not a prize winner, the non-winning information is provided on the screen through the chain stores PC or separate input unit or printed (ST-47).

Meanwhile, although not shown in the drawing, the lottery system and method based on the sequence number of payment of this embodiment can also be applied to purchasing a gift certificate using a credit card or cash. If a customer purchases a gift certificate by a credit card or cash through ARS, PC, or a separate input unit, the personal information and the payment information of the customer is sent to the server PSLMS via a server of an issuer of the gift certificate.

Then, the server PSLMS executes the sequence numbering service based on the customer information and payment amount information and performs a discount or a reserving process by sending the related information to the server of the issuer of the gift certificate if he or she is decided to be a prize winner.

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with an eleventh embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 30 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with an eleventh embodiment of the present invention;

Referring to FIG. 30, the lottery system based on the sequence number of payment of this embodiment is a system which registers a credit card number and a hand phone number of each customer in the server PSLMS, and registers reserve fund process information for each customer upon payment, wherein a certain rate of the reserve fund is used as a sequence numbering point and a residual reserve fund is accumulated based on the information preset by the customer upon generation of a payment signal.

In other words, when a customer generates a reserve fund to the server PSLMS in advance by using his or her PC, automatic process information on the reserve fund can be registered. The reserve money can be automatically performed in the server PSLMS although a separate signal for processing the reserve fund is not generated by the customer upon payment.

For this, the reserve fund process types allowing the customer to register in the server PSLMS are largely divided into three: the first type is for using a total reserve fund for the sequence numbering, the second type is for using a certain rate of the total reserve fund for the sequence numbering and for accumulating a residual reserve fund, and the third type is for accumulating the total reserve fund without using it for the sequence numbering.

Therefore, in the lottery system based on the sequence number of payment of this embodiment, the credit card can be utilized to make the amount payment for purchase of certain goods or use of service based on its card number and card membership information by a non-contact type card such as an RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.

Further, card payment terminals A1-An are installed at a multiplicity of affiliated chain stores such as a credit card company, department, a large discount mart, and the like, and various kinds of chain stores, which issue the credit cards. In this arrangement, each terminal can recognize information contents written in the credit cards and generate a payment signal to remotely get electronic authentication. In addition, the terminal A1-An can perform signal manipulation for a separate input of a payment amount and for request of the sequence numbering service to include a purchaser in the object of the lottery provided by the present invention although the goods purchaser makes cash payment, instead of using various cards such as credit card, cash card, debit card, etc.

Also, if the payment terminal A1-An inquires card information of the credit card for purchase payment of goods being sold by the affiliated chain stores at which those terminals are installed, or for payment of service usage, it classifies payment amounts by the credit card into groups. If a sequence number of card payment within a group corresponds to a specific sequence number predetermined by this embodiment, the terminal recognizes a payer of the specific sequence number as a prize winner and conducts a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays winning or non-winning information that is presented according to conduction of the card payment on its screen in real times, and prints details thereon.

Further, the card payment terminal A1-An and the POS terminal POS prepared in each of the chain stores are constituted by a separate card payment terminal which adds a PC function to a general credit card terminal function. In case of this card payment terminal, the proprietor of the chain store may provide the lottery service based on the sequence number oneself according to his or her will, and may also give gift or winning money depending on the visit sequence of customers by chain stores.

The customer hand phone HP1-HPn is a terminal which registers its number and credit card number in the server PSLMS to automatically process a reserve fund given by the server PSLMS, and generates an automatic process setting signal by inputting setting data for automatic process of the reserve fund. The customer hand phone HP1-HPn sends the setting data to the server PSLMS through the data communication network.

Further, an electronic authentication server ES receives the card number and sale details of the credit card through data communication with the card inquire terminals A1-An or the POS terminal POS installed at the affiliated chain stores over the data communication network, and performs a transmission of card credit inquiry information and an approval process of amount payment.

The electronic authentication server ES gives a sequence number of the card payment within each payment amount group based on the payment amount information that is created when the users use credit cards for each of the card inquiry terminals A1-An. If the given sequence number matches a predetermined specific sequence number, it decides a credit card of the specific sequence number to be a prize winner in real times. Besides, it sends information on the prize winning result to one of the card inquiry terminals inquiring the credit card which is the prize winner, via the data communication network. In the same drawing, a second database DB2 stores card numbers for a card payment approval of the users credit cards, sale amount information of approved cards, and card information.

At this time, the financial resources of winning money is prepared by aggregating amounts of certain rates of purchase moneys by purchasers from the chain stores, and is tendered to the purchaser of the specific sequence number. In this embodiment, the winning money can be distributed more reasonably by providing it differently depending on the payment amount of the customer.

Further, a finance payment server CBS1 is installed in a credit card company, department, a large discount mart, or a total management center of various kinds of chain stores, which issues diverse credit cards. In this arrangement, it performs authentication and card payment of the purchaser through the card number of the customer, sale details information, and an approval/disapproval, upon card payment of credit card sent from the electronic authentication server ES over VAN.

In addition, the finance payment server CBS1 receives the sale details information from each of the card inquiry terminals A1-An in response to an amount payment request of the credit cards possessed by the users from the electronic authentication server ES, confirms a payment amount for credit card of each user, and conducts card payment thereon.

Next, the server PSLMS accepts the card information and sale details provided from the card payment terminals A1-An installed in the affiliated chain stores, gives a sequence number of payment within each group pre-classified by payment amounts, and decides whether or not the customer draws a winning number. In case where a purchaser or a payer is decided to be a prize winner, the server judges whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated with the server PSLMS. If the issuer is a company that has been affiliated with the PSLMS, the server PSLMS sends winning or non-winning information to one of the card payment terminals A1-An to make payment for a payment amount excluding the winning money. Further, the server PSLMS automatically executes the reserve fund process of the customer wherein the reserve fund process setting information from the customer hand phone HP1-HPn is registered in connection with the hand phone number and the credit card number. Thus, it is possible to recognize the customer afterward, through the hand phone number or credit card number contained in the payment signal sent from the card payment terminal A1-An.

At this time, the winning money may be provided by reducing the payment amount the purchaser will pay to the issuer (for example, a credit card company, a large discount mart, department, or the like), or by transferring it to a deposit account of the payer. Alternatively, the winning money may be given in the form of a reserve fund of the chain store, game money, or the like, instead of its supply.

FIG. 31 is a block diagram showing a structure of the payment/lottery management server in accordance with the eleventh embodiment of the present invention;

Referring to FIG. 31, the server PSLMS of this embodiment is a server which automatically executes a reserve fund of each customer. That is, it registers reserve fund process setting information from the customer hand phone H1-HPn in connection with his or her hand phone number or credit card number, recognizes the customer based on his or her his or her hand phone number or credit card number contained in the payment signal from the card payment terminal A1-An later, and automatically processes a given reserve fund of the customer based on the reserve fund process information preset by the customer. Upon payment of the customer, it processes a discount for a payment amount by providing the sequence numbering service depending on the payment sequence number of the customer preset by his or her.

More specifically, as shown in the same drawing, the server PSLMS is provided with gateways, a connection part, an authentication center AUC, a connection sensing processor, a group designation processor, a sequence numbering execution processor, a chain store cost settlement processor, a customer sequence number information setting processor, a customer information storage part 9 a, a chain store information storage unit 9 b, a data storage part, and a control module.

Each of the gateways (WEB, WAP gateway) 2 a to 2 n is for matching data transmitted through a web network and a radio Internet network with a protocol in the server PSLMS. The connection part 4 serves to connect data provided though the gateways 2 a to 2 n to an inside module of the server PSLMS.

The authentication center AUC 6 is a processor which authenticates whether a chain store is an affiliated chain store based on an ID number such as an MAC address of the card payment terminal A1-An of each chain store, or is which customer depending on the customer information sent from his or her PC PC1-PCn. The connection sensing processor 8 a functions to check the connection status of the card payment terminal A1-An and the customers PC PC1-PCn of each chain store.

Further, the group designation processor 8 b designates groups pre-classified by payment amounts of customers transmitted from the card payment terminal A1-An, wherein a group for a payment amount is designated when the payment amount information of a specific customer is applied from the terminals A1-An. The sequence numbering execution processor 8 c decides a sequence number of payment of a customer within the corresponding group depending on the payment amount information of the customer and the sequence number information (winning probability point) preset by the customer from the card payment terminal A1-An, in a state where the group is designated in the group designation processor 8 b.

The chain store cost settlement processor 8 d settles a payment amount the card payment terminal A1-An of the chain store will tender, by subtracting the winning money from the payment amount for each customer. The customer sequence numbering processor 8 e registers winning probability point information which is selected when the customer connects thereto via the web network using the customer PC PC1-PCn. When a payment signal is applied to the processor later, it performs a process, in which the customer extracts the pre-registered winning probability point information and the sequence number can be given within the corresponding winning probability point group.

The customer information storage part 9 a registers the hand phone number and credit card number of each customer and sets the automatic reserve fund process type for each customer. As discussed above, the automatic reserve fund process types for each customer are largely divided into three: the first type is for using a total reserve fund for the sequence numbering, the second type is for using a certain rate of the total reserve fund for the sequence numbering and for accumulating a residual reserve fund, and the third type is for accumulating the total reserve fund without using it for the sequence numbering.

The chain store information storage part 9 b registers various search category information for each chain store so that the customer can search desired chain store information via the customer hand phone HP1-HPn, wherein a given point (e.g., reserve fund information) for each chain store, chain store position information, telephone number information, selling goods information for each chain store, and special event information are stored and registered.

The data storage part 10 stores the ID numbers of the card payment terminals A1-An of the chain stores and information on their affiliated chain stores by the ID numbers. In addition, it stores the payment sequence number information by payment amount groups and the winning information for each group, and the winning probability point information pre-registered by the customer.

Meanwhile, the control module 12, based on the payment amount information and chain store codes provided from the card payment terminals A1-An through the gateways 2 a-2 n, confirms whether or not each chain store is an affiliated chain store through the AUC 6, and whether or not each customer draws a winning number depending on the payment sequence number within the corresponding group in the state where the groups by payment amounts are designated. Further, it registers the winning probability point information pre-selected by the customer; and when a payment signal is applied to the processor later, it performs which extracts the pre-registered winning probability point information of the customer so that the sequence number can be given within the corresponding winning probability point group. In addition, it sets and registers the automatic reserve fund process in connection with the hand phone number or credit card number of the customer in response to the setting signal of the customer. Also, it classifies, registers and sets the information on each chain store by several search categories for its search, and performs the automatic reserve fund process based on the information of each customer set upon occurrence of the payment signal.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the eleventh embodiment of the invention will be described in detail with reference to the accompanying drawings.

FIG. 32 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with the eleventh embodiment of the present invention.

In the lottery system based on the sequence number of payment of this embodiment, a customer first connects to a phone page of the server PSLMS through the customer hand phone HP1-HPn (ST-60).

Next, in the state of logging-in the server PSLMS by inputting a membership ID and a password thereto, the customer selects a reserve fund process setting menu out of various menus prepared in the server PSLMS to send reserve fund process request information to the server PSLMS so that a reserve fund generated upon payment of the customer can be automatically processed in the server PSLMS, without a separate selection of the customer (ST-61).

Then, the server PSLMS registers the reserve fund process request information for each customer sent from the customer hand phone HP1-HPn by the customer in connection with the hand phone number and credit card number of each customer (ST-62 and ST-63).

In this state, when there is an application of a payment signal having the payment amount information from the card payment terminal A1-An arranged in the chain store, the server PSLMS accumulates and processes a reserve fund of the chain store, and extracts the setting information of the customer from the hand phone or credit card number of the customer sent from the card payment terminal A1-An (ST-64, ST-65, and ST-66).

If the setting information extracted by the server PSLMS contains a sequence numbering service for the total reserve fund (ST-27), the server PSLMS performs the sequence numbering service for the total reserve fund given by payment of the customer (ST-68). The sequence numbering service executed by the server PSLMS was mentioned above in detail through the above embodiments, its description is omitted here.

By executing the sequence numbering service in the server PSLMS, if the payment customer is confirmed to be a prize winner or non-winner (ST-69), the server PSLMS sends the winning information of the customer and the final payment amount information subtracting the winning money to the card payment terminal A1-An of the chain store (ST-70).

If the setting information extracted by the server PSLMS is associated with executing a sequence numbering service only for a certain rate of the reserve fund provided upon payment, and accumulating for a residual reserve fund, the server PSLMS executes a sequence numbering service only for the certain rate (ST-71 and ST-72).

By executing the sequence numbering service in the server PSLMS, if the payment customer is confirmed to be a prize winner, the server PSLMS sends the winning information of the customer and the final payment amount information subtracting the winning money to the card payment terminal A1-An of the chain store, and conducts a reserving process directly for a residual reserve fund for each customer (ST-73). Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with a twelfth embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 33 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with a twelfth embodiment of the present invention.

First, the lottery system based on the sequence number of payment of this embodiment is a system which classifies and registers chain store discount rate information, position information, a telephone number, special event information, and selling goods information by categories in the server PSLMS using the chain stores PC, so that each customer can search an appropriate chain store by selecting a specific area, a discount rate higher order, a specific event occurrence chain store, selling goods, etc. in a desired category through his or her hand phone.

For this, this embodiment needs the same system as shown in FIG. 30, and will be described with reference to FIG. 30.

First, the proprietor of the chain store sends the chain store information to the server PSLMS through his or her PC (not shown)(ST-80). The chain store information is used for searching a desired chain store in the state where a customer connects to the server PSLMS using the customer hand phone HP1-HPn or PC (ST-83 and ST-87). The chain store information registered in the server PSLMS is discount rate information, position information, telephone number information, special event information, and selling goods information classified by categories (ST-81 and ST-82).

In particular, the discount rate is provided to the customers by chain stores at different rates, and may be offered arbitrarily by the proprietor of chain store. Basically, a difference inevitably exists between the discount rates offered by types of business. This also relates to a margin rate by types of business, sales, etc. But, in spite of a same type of business, the difference that may occur between the discount rates by chain stores is because the proprietor of chain store may offer a higher discount rate as part of special events.

Thus, by connecting to the server PSLMS using the customers hand phone HP1-HPn, the customer can search in the order of the largest discount rate providing companies (ST-84 and ST-88), search by areas where the chain stores are located (ST-85 and ST-89), search chain store information by inputting the telephone number, or search by inputting names of selling goods such as clothes, running shoes, pizza, etc. Further, the customer can search in the order of chain stores providing special events, for example, gifts, etc. (ST-86 and ST-90)

Therefore, when a request signal for such a search is sent to the server PSLMS through the customers hand phone HP1-HPn or PC, the server PSLMS transmits the chain store information searched in response to the search request signal to the customers hand phone HP1-HPn or PC (ST-91 to ST-94).

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with a thirteenth embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIGS. 34 and 35 are flowcharts showing a signal flow of a lottery system based on the sequence number of payment in accordance with a thirteenth embodiment of the present invention.

First, the lottery system based on the sequence number of payment of this embodiment is a system in which a server PSLMS provides a reserve sequence to each customer in advance to participate in the sequence numbering service prior to purchasing goods when there is a request for advance reservation through his or her advance reservation request, a reservation information input and a transfer of reservation amount.

The lottery system based on the sequence number of payment of this embodiment provides a system for processing the advance reservation and provisional reservation. In the present invention, the advance reservation refers to a reservation that transfers a deposit in advance, in case where a customer makes a reservation at each chain store. In this case, the system tenders an advance reserve fund according to the advance reservation to the customer for its use.

Meanwhile, the provisional reservation refers to a reservation in a state which does not transfer a deposit in advance, in case where a customer makes a reservation at a chain store. In this case, the system does not tender an advance reserve fund to the customer according to the provisional reservation, but tenders more reserve fund.

Of course, the advance reserve fund made by the advance reservation is greater than the reserve fund upon the provisional reservation. But, in case of the advance reservation, the sale security of the chain store is almost certain. In case of the provisional reservation, since a separate deposit is not transferred, the sale security is unknown. Therefore, it is reasonable to provide more reserve fund in case of the advance reservation. But, both the advance reservation and the provisional reservation commonly provide a time enough for preparation of foods, seat security, etc. by notifying in advance the proprietor of chain store of the number of customers and time to be visited, thereby offering more convenience and giving more reserve fund to the customers.

Especially, in case of the advance reservation, the customer can execute the sequence numbering service of the server PSLMS in advance by using the point provided from the chain store, prior to payment of the total goods amount. Therefore, the customer can purchase goods and receive services at a discounted price and may purchase the same without a fee.

In FIG. 34, the advance reservation procedure is shown.

As shown therein, in case of the advance reservation, when a customer searches a specific chain store through various searches such as goods menus, given discount rates, area information, etc., after connection to the server PSLMS through the customer hand phone HP1-HPn, an advance reservation application signal (reservation information such as the number of persons and expected payment amount) for the chain store is sent to the server PSLMS via the customer hand phone HP1-HPn.

Then, the server PSLMS exchanges the reserved money in response to the advance reservation application signal. Conventionally, the reserved money is 10% of the total reservation payment amount, but may also be set at a different rate for each chain store.

Thus, if the server PSLMS computes the reserved money, it sends the reserved money information to the customer hand phone HP1-HPn. Then, the customer provides the server PSLMS with a small amount payment signal for application of transfer.

Therefore, the server PSLMS drives a small amount payment program, and performs a small amount payment process through the certified authentication program to generate a point (reserve fund) for a total expectation payment amount of the customer to the customer hand phone HP1-HPn.

That is, if the reservation money paid by the customer is 10,000 won, the customer expects the total expected payment amount to be 100,000 won. The server PSLMS does not provide a point for 10,000 won paid, but tenders a point for 100,000 won in advance.

Through this, if the sequence numbering service application signal is sent from the customer hand phone HP1-HPn to the server PSLMS, the server PSLMS gives a payment sequence number of the customer after a previous payment sequence number within a pre-classified group according to the payment amount information of the card payer.

Based on this, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it sends non-winning information on the customer to the customer hand phone HP1-HPn. For example, the server PSLMS provides the customer hand phone HP1-HPn with message data as follows: your authentication number is 19^(th) which is the prior number of the prize winner.

On the contrary, if the customer is a prize winner, the server PSLMS sends a separate winning authentication number to the customer hand phone HP1-HPn so that the customer can get a discount by the winning money by presenting it at the chain store upon payment.

In the state where the use of the advance reserve fund has been completed, if the customer attempts payment at the chain store, the proprietor of the chain store computes a final payment amount after confirming the customers winning through the winning authentication number provided on the screen of the customer hand phone HP1-HPn. Then, the card payment terminal A1-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information sent from the server PSLMS with the payment information.

In FIG. 35, the provisional reservation procedure is shown.

As shown therein, in case of the provisional reservation, when a customer searches a specific chain store through various searches such as goods menus, providing discount rates, location information, etc., after connecting to the server PSLMS through the customer hand phone HP1-HPn, a provisional reservation request signal (reservation information such as the number of persons and expected payment amount) for the chain store is sent to the server PSLMS via the customer hand phone HP1-HPn.

Then, the server PSLMS registers the customers hand phone number together with the chain store information and provisional reservation information through a sender indication service CID in response to the provisional reservation request signal.

In that state, the customer attempts amount payment through the card payment terminal prepared in the chain store.

At this time, the card payment terminal A1-An sends the card number and card information stored in the credit card, a terminal ID number, and payment amount information to the server PSLMS via the data communication network. Then, the server PSLMS extracts the customer information from the credit card information of the customer and confirms whether or not the customer is a pre-registered provisional reservation customer.

If the customer is a provisional reservation customer, the server PSLMS generates an agreed provisional reservation point and gives a payment sequence number of the customer after a previous payment sequence number within a pre-classified group according to the payment amount information of the card payer.

Through this, the server PSLMS can confirm in real times whether or not the customer is a prize winner in real times. If the customer is not a prize winner, the server PSLMS sends non-winning information on the customer to the card payment terminal A1-An. For example, the server PSLMS provides the card payment terminal A1-An with message data as follows: your authentication number is 19^(th) which is the prior number of the prize winner. Then, the card payment terminal A1-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information sent from the server PSLMS with the payment information.

On the contrary, if the customer is a prize winner, the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer, and sends the winning information (winning money information) to the card payment terminal A1-An. Then, the card payment terminal A1-An sends the payment information excluding the winning money to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBS1.

Further, the finance payment server CBS1 sends the payment information of the customer to the card payment terminal A1-An. Then, the card payment terminal A1-An outputs on a receipt the winning information provided from the server PSLMS with the payment information. The server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner, and thereafter, the chain store and the server PSLMS perform a settlement for the point money.

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with a fourteenth embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 36 is a flowchart showing a receipt for use in a delivery company of a lottery system based on the sequence number of payment in accordance with a fourteenth embodiment of the present invention;

Referring to FIG. 36, the lottery system based on the sequence number of payment of this embodiment receives an authentication number of the sequence number point to be outputted in advance on a receipt from the server PSLMS when a delivery company inputs the payment information thereto, and then helps to get a sequence numbering service by connecting to the server PSLMS through the customers PC or hand phone.

If the lottery system based on the sequence number of payment of this embodiment is applied to a delivery company, the customer receives goods prior to making payment by credit card or cash, and makes payment by cash later. Therefore, a delivery worker cannot provide the server PSLMS with a separate payment signal, indicating that the customer has completed payment, at the time of payment.

Thus, the delivery company provides the server PSLMS with its own information and information on an amount of goods ordered upon receipt of the order to output the authentication number generated from the server PSLMS on the cash receipt. By doing so, when the customer connects to the server PSLMS and inputs an authentication number later, the server PSLMS checks the inputted authentication number to confirm if the customer purchased which goods at which chain store, thereby providing the sequence numbering service.

For this, as shown in the same drawing, a receipt 20 provided from the delivery company to the customer is depicted. In the receipt 20 of the delivery company, a payment amount 22 is shown and a payment date 24 is written on the lower side thereof. Also, there are an authentication number 26 which is generated by the server PSLMS and printed after the chain store includes it in the receipt 20, a chain store ID number 30 and a telephone number and a chain stores name 28.

Thus, the customer connects to the server PSLMS through the PC or hand phone HP1-HPn after getting the receipt 20 from the delivery worker, and inputs the authentication number 26 written on the receipt 20, thus receiving the sequence numbering service and diverse kinds of services offered by the server PSLMS.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the fourteenth embodiment of the invention will be described in detail with reference to the accompanying drawings.

FIGS. 37 and 38 are flowcharts showing a signal flow of a lottery system based on the sequence number of payment in accordance with the fourteenth embodiment of the present invention.

First, FIG. 37 describes a flowchart for inputting ordered goods and automatically generating an authentication number, in the state where the chain store connects to the server PSLMS through the chain stores PC or hand phone. And, FIG. 38 describes a flowchart for getting an authentication number by connecting to the server PSLMS through the electronic authentication server being the van server and inputting a payment amount. That is, FIGS. 37 and 38 describe a method in which the chain store connects to the server PSLMS and gets the authentication number.

First, in the method of getting an authentication number through the chain stores PC or hand phone, when the chain store receives an order from a specific customer, the chain store inputs an authentication number generation request signal, total payment amount information and the chain stores code, in the state where it connects to the server PSLMS through the chain stores PC or hand phone.

Then, the server PSLMS receives the authentication number generation request signal, the total payment amount information and the chain stores code, generates an inherent authentication number (serial number), and registers the authentication number in connection with the information sent from the chain store.

The chain store includes the authentication number from the server PSLMS in the receipt 20, and then provides it to the customer after its output.

The customer receives the authentication number and sends it, in the state where he or she connects to the server PSLMS through the customers PC or hand phone later. Then, the server PSLMS extracts the above information through the authentication number. Based on this, the server PSLMS can judge what the payment amount of the customer is, and thus generates a point corresponding to the payment amount to provide the sequence numbering service by using the point.

Through the sequence numbering service, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is a prize winner, the server PSLMS tenders the winning money by total or part of the payment amount.

Referring to FIG. 38, in case of giving an authentication number in other ways, a master card can be provided from the server PSLMS to the chain store to give the authentication number, and the master cards number is registered in the electronic authentication server ES.

The electronic authentication server ES registers the master card number upon receipt thereof to judge that the signal is not an actual payment request signal but is a signal indicating that the payment information should be sent to the server PSLMS.

In that state, when the proprietor of the chain store of the delivery company receives an order, he or she generates a card payment signal by inputting a payment amount through the card payment terminal A1-An prepared in the chain store using the master card. Then, the electronic authentication server ES, which receives the card payment signal from the card payment terminal A1-An, sends corresponding information to the server PSLMS, rather than generating an actual payment signal to a specific credit card company using the master card number. The corresponding information contains the authentication number request signal, the total payment amount information and the chain store code.

Then, the server PSLMS receives the authentication number request signal, the total payment amount information and the chain store code, generates an inherent authentication number (serial number), registers the authentication number by interworking with the information sent from the chain store, and sends the authentication number to the card payment terminal A1-An of the chain store over the electronic authentication server ES.

Then, the chain store includes the authentication number sent from the server PSLMS in the receipt 20 and provides it to the customer after printing.

The customer inputs and sends the authentication number, in the state where he or she connects to the server PSLMS through the customers PC or hand phone later. Then, the server PSLMS extracts the above information through the authentication number. Based on this, the server PSLMS can judge what the payment amount of the customer is, and thus generates a point corresponding to the payment amount, to thereby provide the sequence numbering service by using the point.

Through the sequence numbering service, the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is a prize winner, the server PSLMS tenders the winning money by total or part of the payment amount.

Hereinafter, a lottery system based on the sequence number of payment through a chain store payment terminal in accordance with a fifteenth embodiment of the present invention will be set forth in detail with reference to the accompanying drawings.

FIG. 39 is a diagram showing a gift certificate for use in a chain store of a lottery system based on the sequence number of payment in accordance with a fifteenth embodiment of the present invention; and

Referring to the drawing, the lottery system based on the sequence number of payment of this embodiment is a system which can promote a circulation of a gift certificate of each chain store by providing a point for a sequence numbering service that can be used within a fixed period by registering an authentication number of the gift certificate in the server PSLMS when it is issued from each chain store, additionally offering a certain interest by computing a period until prior to use of the gift certificate if the fixed period has expired, and providing an additional benefit when a customer purchases the gift certificate by automatically deleting the point.

The lottery system based on the sequence number of payment of this embodiment revitalizes the selling of the gift certificate by providing two benefits to the customer upon selling of the gift certificate issued by each chain store, and generates advance sales. One of the two benefits is associated with providing a sequence numbering service executed in the server PSLMS by offering a specific point for a certain time period from a purchase of the gift certificate.

The other benefit is related to additionally providing a point by computing the rate of interest separately provided by the proprietor of the chain store until the use of the gift certificate from expiration of the usable period. At this time, the customer does not receive both the specific point and the interest benefits that can be used for a fixed period from purchase of the gift certificate, but receives a point upon purchase of the gift certificate. Upon expiration of the usable period of the point, the customer can receive a certain interest benefit, and thus has a chance of various benefits although he or she purchases the gift certificates in advance.

Accordingly, on the gift certificate 32 used in the lottery system based on the sequence number of payment of this embodiment, a chain store name is written. In addition, par value information 36 and information on a fixed usable period 40 of the point are also written thereon. Further, point par value information 38 and a serial number 42 of a gift certificate are written thereon. Also, interest information by periods 44 upon expiration of the usable period of the point is written thereon.

Therefore, the server PSLMS registers issuance information of a gift certificate from the chain store prior to selling it. Upon selling thereof, it registers the selling information, computes time or period to check a point usage period, provides a point usage service within the point usable period, subtracts a point upon expiration of the point usable period and computes the rate of interest, computes a period until the use of the gift certificate later and exchange it to a corresponding point. By doing so, it automatically performs a whole management of the gift certificate from issuance thereof from the chain store to use of the customer.

Now, the functions and operation of the lottery system based on the sequence number of payment through the chain store payment terminal in accordance with the fifteenth embodiment of the invention as structured above will be described in detail with reference to the accompanying drawings.

FIG. 40 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fifteenth embodiment of the present invention;

First, the chain store prints and issues a gift certificate. Next, the chain store sends gift certificate issuance information including a serial number and par value of the gift certificate to the server PSLMS, in the state where the chain store connects to the server through the chain stores PC or hand phone.

Then, the server PLSMS registers the gift certificate issuance information with respect to each chain store. Thereafter, the chain store sends the serial number and the gift certificate selling information to the server PSLMS through the chain stores PC or hand phone upon selling thereof.

Further, the server PSLMS registers the selling information of the gift certificate and generates a point according to the selling of the gift certificate. And, it initiates to count for period computation which is available to use the point, and provides the customers PC or hand phone with corresponding point information. Namely, prior to use of the gift certificate, the customer can get various services or goods by using the point and also receive the sequence numbering service provided by the server PSLMS.

If the customer generates a signal to use the sequence numbering service through his or her hand phone or PC, the server PLSMS accepts the serial number information of the gift certificate from the customer and extracts the pre-registered serial number information. After that, it executes the sequence numbering service after confirming the par value and point information, and confirms the winning or non-winning.

Further, the server PSLMS sends the winning information to the customers hand phone or PC. In case where the customer uses the point, the interest benefit by a separate period is not given. But, in case where the customer does not use the point, the server PSLMS checks the point usage period to judge whether or not the point usable period has expired.

If the point usable period of a specific gift certificate has expired, the server PSLMS deletes the point and initiates counting for computing the rate of interest by periods.

After lapse of a certain period, if the customer wants to use the gift certificate, the server PSLMS receives a usage signal of the gift certificate through the card payment terminal A1-An prepared in the chain store, or the chain stores PC or hand phone, halts the interest counting, computes the rate of interest by periods, and sends the point information to the chain store after exchanging the rate of interest to a point, to enable the customer to confirm it.

Because the serial number is written in the point information, the customer can receive various kinds of services including the sequence numbering service provided by the server PSLMS later based on the serial number.

Meanwhile, the lottery system and method based on the sequence number of payment are not limited to the above-described embodiments, and various changes and modifications may be made without departing from the scope of the invention as defined in the following claims.

As described above, the lottery system and method based on the sequence number of payment of the invention discounts a payment amount or offers a cyber money by giving a payment sequence number for each group pre-classified by payment amounts and deciding a winning or non-winning by comparison of the given sequence number and a predetermined winning number, upon payment for good amount through a credit card or cash. Thus, the lottery system and method of the invention can revitalize consumption, increase sales of each chain store, and provide winning money which is proportional to a used amount to a customer. 

1. A lottery system based on a sequence number of payment, the lottery system comprising: a card payment terminal arranged in a chain store for sending card information and payment information, to be regarded as the object of the lottery based on the payment sequence number for amount payment through a credit card, to a payment/lottery management server, and indicating winning or non-winning information of the credit card on a sale receipt; an electronic authentication server for performing an authentication process in response to a credit inquiry request signal for the amount payment of the credit card from the card payment terminal; a finance payment server prepared in a payment center of a credit card company for conducting an amount payment process for the credit card which is authenticated by the electronic authentication server; and the payment/lottery management server for classifying plural groups by payment amount units based on the amount payment request signal, card information and the payment amount information provided from the card payment terminal, giving a sequence number of payment for each group, confirming whether or not the given sequence number matches a pre-designated winning sequence number to conduct a winning process, and sending the winning information to the card payment terminal.
 2. The lottery system of claim 1, wherein the payment/lottery management server judges whether the card is a nonaffiliated card or an affiliated card based on the card information sent from the card payment terminal.
 3. The lottery system of claim 1, wherein the card payment terminal provides the payment/lottery management server with payer personal information having hand phone information of the customer and payment amount information to give a lottery chance to the payer who performs cash payment for specific goods or services.
 4. The lottery system of claim 1, wherein the plural groups classified by payment amount units by the payment/lottery management server include non-overlapping payment groups such as a payment group below 100,000 won, a payment group above 100,000 won but below 200,000 won a payment group above 200,000 won but below 300,000 won, a payment group above 300,000 won but below 500,000 won, and a payment group above 500,000 won but below 1,000,000 won.
 5. The lottery system of claim 1, wherein the financial resources of the winning money provided by the payment/lottery management server are prepared by accumulating certain rates of the goods amount offered by the proprietor of the chain store upon payment of non-winners designated by payment sequence numbers before the prize winner.
 6. The lottery system of claim 1, wherein the payment/lottery management server includes: a wire/wireless gateway for matching data sent through a web network and a wireless Internet network with a protocol prepared in the server; a connection part for connecting the data sent through the gateway to an inside module of the server; an authentication center for authenticating whether or not the chain store is an affiliated chain store based on an identification (ID) number such as an MAC address of the card payment terminal of each chain store; a connection sensing processor for checking the connection status of the card payment terminal of each chain store; a group designation processor for designating groups pre-classified by payment amounts of customers sent from the card payment terminal; a sequence numbering execution processor for deciding a payment sequence number of the customer within the corresponding group in a state where the group is designated in the group designation processor depending on the payment amount information of the customer applied from the card payment terminal; a cost settlement processor for subtracting winning money from the payment amount of each customer to settle an amount the card payment terminal of the chain store will pay; a data storage part for storing the ID number of the card payment terminal for each chain store and affiliated chain store information for each ID number, the payment sequence number information for each payment amount group, and the winning information for each group; and a control module for confirming as to whether or not the chain store is affiliated chain store depending on the payment amount information and chain store code provided from the card payment terminal through the gateway by using the authentication center, and further confirming whether or not the customer is a prize winner based on the payment sequence number within the group in the state where the group is designated depending on the payment amount.
 7. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: classifying and establishing groups by payment amounts at a payment/lottery management server; sending a payment signal and payment amount information using a credit card of a specific customer at a card payment terminal; receiving the payment signal and the payment amount information and designating a group, to which the payment amount corresponds, at the payment/lottery management server; judging at the payment/lottery management server whether or not a payment sequence number of a payer matches a predetermined winning sequence number; judging the payer to be a prize winner if the payment sequence number matches the predetermined winning sequence number, and sending winning information to the card payment terminal at the payment/lottery management server; generating a payment signal of a payment amount excluding a winning money at the card payment terminal; performing the card payment, at an electronic authentication server and a finance payment server, in response to the payment signal from the card payment terminal; and outputting the payment information and the winning information on a receipt at the card payment terminal.
 8. The lottery method of claim 7, wherein the card payment terminal, in response to a selection of the customer, a payment sequence numbering is not performed in an upper payment amount group, but is divided multiple times and performed in a lower payment amount group.
 9. The lottery method of claim 7, further comprising the steps of: if the payment amount signal is inputted from the card payment terminal, computing, at the payment/lottery management server, a certain rate of the payment amount as a reserve fund; and aggregating and accumulating, at the payment/lottery management server, reserve funds of non-winners by preset periods from each chain store.
 10. The lottery method of claim 7, further comprising the step of updating, at the payment/lottery management server, information the payment sequence number of the prize winner with “0” if there is the prize winner.
 11. The lottery method of claim 7, further comprising the step of sending, at the payment/lottery management server, information to make sure that information on the sequence number or the payer and the winning sequence number is outputted on a card receipt if the payer is non-winner.
 12. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: sending payment amount information and an ID number of a card payment terminal from the card payment terminal to a payment/lottery management server when a cash user makes cash payment for a purchase amount of goods or a usage amount of services and then inputs the payment amount information using the card payment terminal; giving, at the payment/lottery management server, a payment sequence number of the customer after a previous payment sequence number within a group pre-classified depending on the payment amount information of the payer; judging at the payment/lottery management server whether or not the payment sequence number of the customer matches a predetermined winning sequence number; settling, at the payment/lottery management server, a final payment amount excluding a winning money from the payment amount of the customer if the payment sequence number matches the predetermined winning sequence number, and sending winning information to the card payment terminal; and outputting a cash receipt including the winning information and the payment information at the card payment terminal.
 13. A lottery system based on a sequence number of payment, the lottery system comprising: a card payment terminal arranged in a chain store for sending card information, payment information and group selection information by lottery object person numbers selected by a customer, to be regarded as the object of the lottery based on the payment sequence number for amount payment through a credit card, to a payment/lottery management server, and indicating winning or non-winner information of the credit card on a sale receipt; an electronic authentication server for performing an authentication process in response to a credit inquiry request signal for the amount payment of the credit card from the card payment terminal; a finance payment server prepared in a payment center of a credit card company for conducting an amount payment process for the credit card which is authenticated by the electronic authentication server; and the payment/lottery management server for giving a sequence number of the payment customer within the lottery object person number group based on the amount payment request signal, card information and the group selection information by lottery object person numbers selected by the customer sent from the card payment terminal, confirming whether or not the given payment sequence number matches a pre-designated winning sequence number to conduct a winning process, and sending winning information to the card payment terminal.
 14. The lottery system of claim 13, wherein plural groups classified by the lottery object persons by the payment/lottery management server include a 10-person group where a 10^(th) (payer out of 10 payers is a prize winner, and a 20-person group where a 20^(th) payer of 20 payers is a prize winner.
 15. The lottery system of claim 13, wherein the winning money provided by the payment/lottery management server is much accumulated for a group in which the number of persons involved in the object of the lottery is large.
 16. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: sending card information, a terminal ID number, payment amount information and group information by lottery object person numbers selected by a customer from a card payment terminal arranged in a chain store to a payment/lottery management server; giving a payment sequence number of the customer after a previous payment sequence number within the lottery object person number group selected by the customer at the payment/lottery management server: judging at the payment/lottery management server whether or not the payment sequence number matches a predetermined winning sequence number; judging the payer to be a prize winner if the payment sequence number matches a predetermined winning sequence number, and sending winning information to the card payment terminal at the payment/lottery management server; generating a payment signal of a payment amount excluding winning money at the card payment terminal; performing card payment, at an electronic authentication server and a finance payment server, in response to the payment signal from the card payment terminal, and sending the payment information to the card payment terminal; and outputting the payment information and the winning information on a receipt at the card payment terminal.
 17. The lottery method of claim 16, wherein the reserve fund accumulated for non-winners by the card payment terminal is accumulated for each lottery person number group.
 18. The lottery method of claim 16, wherein the winning money provided to the prize winner is an amount corresponding to a winning probability pre-selected by the prize winner with respect to the usage money used by the prize winner.
 19. The lottery method of claim 16, wherein the payment/lottery management server performs a prize winning or non-winning process by judging whether or not the sequence number of the payer matches a predetermined winning sequence number based on the lottery object person unit selected by the payer when the payer selects group information (winning probability information) by the lottery object person numbers, even in the state where the groups by the lottery object person numbers are not classified in the payment/lottery management server.
 20. The lottery method of claim 16, further comprising the steps of: sending the winning probability information from the payer's PC in advance; and registering the winning probability information at the payment/lottery management server, wherein the payment/lottery management server automatically classifies groups based on the registered winning information upon execution of the sequence numbering, without a separate selection of the customer.
 21. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: sending card information, a terminal ID number, payment amount information and group information by lottery object person numbers selected by a customer from a card payment terminal arranged in a chain store to a payment/lottery management server; giving a payment sequence number of the customer after a previous payment sequence number in each subgroup by lottery object person numbers selected by the customer within each group pre-classified by payment amounts, at the payment/lottery management server; judging at the payment/lottery management server whether or not the payment sequence number of the customer matches a predetermined winning sequence number; judging, at the payment/lottery management server, the payer to be a prize winner if the payment sequence number matches the predetermined winning sequence number, and sending winning information accumulated in the group to the card payment terminal; generating a payment signal of a payment amount excluding the winning money at the card payment terminal; performing card payment, at an electronic authentication server and a finance payment server, in response to the payment signal from the card payment terminal, and sending the payment information to the card payment terminal; and outputting the payment information and the winning information on a receipt at the card payment terminal.
 22. A lottery system based on a sequence number of payment, the lottery system comprising: a payer's PC equipped with a key button for generating a payment signal and certified authentication information and a web browser, and with a communication module for sending the corresponding information; an on-line payment server established in an on-line shopping mall for receiving a payment request signal from the payer's PC, sending the payment amount information of the goods to the payer's PC, and executing a payment process by a payment processor prepared in the on-line shopping mall; a finance server for conducting a card payment process of the goods amount based on the payment information sent from the payer's PC through the on-line payment server; and a payment/lottery management server for giving a sequence number within a pre-classified payment amount group based on the payment amount information and payer information, pre-given ID number information of the on-line shopping mall from the on-line payment server, and deciding a winning or non-winning.
 23. The lottery system of claim 22, wherein the payment/lottery management server includes a database which stores the payment sequence information of each group by pre-classified payment amounts, the ID number information of the on-line shopping mall, and prize winner information.
 24. The lottery system of claim 22, further comprising a mobile terminal having a payment tool for conducting mobile payment, instead of the payer's PC.
 25. The lottery system of claim 22, further comprising a payer's telephone terminal for conducting ARS payment, instead of the payer's PC.
 26. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: accepting a payment signal from a payer's PC connected to an on-line shopping mall; sending payment amount information of the payer and pre-given ID number information of the on-line shopping mall from an on-line payment server from an on-line payment server to a payment/lottery management server over a data communication network; giving a payment sequence number of the customer after a previous payment sequence number within a pre-classified group based on the payment amount information of the card payer at the payment/lottery management server; judging at the payment/lottery management server whether or not the payment sequence number of the customer matches a predetermined winning sequence number; settling, at the payment/lottery management server, a final payment amount excluding winning money from the payment amount of the customer if the payment sequence number matches the predetermined winning sequence number, and sending the winning information (winning money information) to the on-line payment server; providing payment information excluding the winning money from the on-line payment server to a finance server with a signal for request of a credit inquiry and card payment of the card; sending the payment information of the customer from the finance server to the on-line payment server; and sending the winning information from the payment/lottery management server to the payer's PC together with the payment information for outputting on its screen.
 27. The lottery method of claim 26, further comprising the steps of: sending winning probability information from the payer's PC in advance; registering the winning probability information at the payment/lottery management server; receiving customer information and a payment signal from the 's PC; and automatically extracting the pre-registered winning probability information from the customer information and executing the sequence numbering within the winning probability group at the payment/lottery management server.
 28. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: sending a card number and card information, a terminal ID number, payment amount information, and no-interest installment information selected by a customer from a card payment terminal to a payment/lottery management server over a data communication network upon card payment; giving a payment sequence number of the customer after a previous payment sequence number within a group classified based on the no-interest installment information of the card payer at the payment/lottery management server; confirming at the payment/lottery management server in real times whether or not the customer is a prize winner; if the customer is not a prize winner, sending non-winning information on the customer from the payment/lottery management server to the card payment terminal; sending the payment information from the card payment terminal to an electronic authentication server and a finance payment server for conducting a payment process; sending the payment information of the customer from the finance payment server to the card payment terminal; outputting the non-winning information on a receipt with the payment information at the card payment terminal; if the customer is a prize winner, sending the payment information and winning information (no-interest installment information) from the payment/lottery management server to the card payment terminal based on the no-interest installment information by the groups; sending the payment information and no-interest installment winning information from the card payment terminal to an electronic authentication server and a finance payment server: executing a no-interest installment process of the customer at the finance payment server, and at the same time sending the payment information to the card payment terminal; and outputting the winning information (no-interest installment information) on a receipt with the payment information at the card payment terminal.
 29. The lottery method of claim 28, further comprising the steps of: sending a selection signal for selecting one of a 3-month no-interest group, a 5-month no-interest group, and a 12-month no-interest group from the card payment terminal; and executing a sequence numbering of the customer for the no-interest group selected by the customer at the payment/lottery management server.
 30. The lottery method of claim 29, wherein the step of executing the sequence numbering by the no-interest groups at the payment/lottery management server provides a winning probability differentiated by the no-interest installment periods such that payment customers who select the 3-month no-interest installment are classified into a same group and one per 3 persons is decided as a prize winner, and payment customers who select the 5-month no-interest installment are classified into a same group and one per 5 persons is decided as a prize winner.
 31. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: designating and classifying loaned moneys into plural amount units in advance at a payment/lottery management server; generating a loan event signal from a finance payment server processing predetermined loan goods; sending loaned money information of a loanee and a pre-given finance company ID number from the finance payment server to the payment/lottery management server through a data communication network; giving a payment sequence number of the customer after a previous payment sequence number within a group pre-classified based on the loaned money information of the loanee at the payment/lottery management server; comparing the given sequence number of the customer with a predetermined winning sequence number to decide a winning or non-winning; if the customer is a prize winner, extracting adjustment information for adjusting a loan interest rate or loan principal of the customer depending on an interest discount rate pre-designated by a finance company or a loan principal discount rate at the payment/lottery management server, and sending winning information (winning money information) to the finance payment server; and sending loan interest rate information adjusted by the winning money or loan principal adjustment information from the finance payment server to a finance goods purchaser.
 32. A lottery method based on a sequence number of payment, wherein the lottery method offers a winning benefit to a prize winner by judging whether or not a given sequence number matches a predetermined winning sequence number, the winning benefit indicating an adjusted interest rate in case of a deposit and installment savings goods and the given sequence number being provided in the order of time of the deposit and installment savings payment within each group by deposit and installment savings units.
 33. A lottery method based on a sequence number of payment, wherein the lottery method classifies exchange and remittance amounts into groups so as to reduce a finance service charge caused by occurrence of the exchange and remittance, and exempts the service charge when a customer draws a winning number based on a given sequence number in a group classified by the exchange and remittance amount of the customer.
 34. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: sending card information, a terminal ID number, payment amount information, sequence numbering direction information (reverse sequence numbering or forward sequence numbering) from a card payment terminal prepared in a chain store to a payment/lottery management server; giving a payment sequence number of the customer according to the sequence numbering direction selected by the customer within a pre-classified payment amount group by the payment/lottery management server; judging at the payment/lottery management server whether or not the payment sequence number of the customer matches a predetermined winning sequence number; judging, at the payment/lottery management server, the payer to be a prize winner if the payment sequence number matches the predetermined winning sequence number, and sending the winning information to the card payment terminal; generating a payment signal of a payment amount of a payment amount excluding the winning money at the card payment terminal; performing card payment, at an electronic authentication server and a finance payment server, in response to the payment signal from the card payment terminal, and sending the payment information to the card payment terminal; and outputting the payment information and the winning information on a receipt at the card payment terminal.
 35. The lottery method of claim 34, wherein if the customer selects the reverse sequence numbering, the sequence number is given in the reverse direction until one payment customer of the following sequence numbers selects the reverse sequence numbering.
 36. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: sending card information, a terminal ID number, payment amount information, and sequence number skip information selected by a customer, from a card payment terminal prepared in a chain store to a payment/lottery management server; giving a payment sequence number of the customer according to the sequence number skip number of times selected by the customer within a pre-classified payment amount group at the payment/lottery management server; judging at the payment/lottery management server whether or not the payment sequence number of the customer matches a predetermined winning sequence number; judging, at the payment/lottery management server, the payer to be a prize winner if the payment sequence number matches the predetermined winning sequence number, and sending the winning information to the card payment terminal; generating a payment signal of a payment amount of a payment amount excluding the winning money at the card payment terminal; performing card payment, at an electronic authentication server and a finance payment server, in response to the payment signal from the card payment terminal, and sending the payment information to the card payment terminal; and outputting the payment information and the winning information on a receipt at the card payment terminal.
 37. The lottery method of claim 36, wherein the sequence number skip is selectable by the customer, regardless of the sequence number skip number of times.
 38. A lottery method based on a sequence number of payment, wherein the proprietor of a chain store can provide a separate payment sequence numbering service by days, weeks and months, and perform a payment sequence numbering in group units by payment amounts, and conduct a different sequence numbering by lottery object person number groups according to a customer's selection.
 39. A lottery method based on a sequence number of payment, wherein the proprietor of a chain store provides a change of the payment sequence numbering by specific time of a specific weekday several times.
 40. A lottery method based on a sequence number of payment, wherein the lottery method is conducted in a manner that information for payment sequence numbering within each group by greater amounts than a payment amount is contained in a bar code (including RFID) of each goods being solved by a large discount mart so that the payment sequence numbering is processed within each group by greater amounts upon scanning of the bar code.
 41. A lottery method based on a sequence number of payment, wherein the lottery method classifies electronic moneys into groups by amounts by using the electronic moneys such as cyber money or advertisement view point, gives a sequence number by application time within each group, and decides a corresponding customer to be a prize winner if the given sequence number matches a predetermined sequence number to tender an accumulated electronic money as a winning money.
 42. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: generating a payment signal by inputting personal information for delivery via ARS in a state where a payer connects to an on-line payment server through a payer's telephone terminal; sending payment amount information of the payer, purchaser personal information, and a pre-given ID number of a home shopping mall from the on-line payment server to a payment/lottery management server via a data communication network; extracting returned goods information of the customer based on the payment amount information and personal information of the card payer and comparing the extracted information with reference sequence number information at the payment/lottery management server; if the payment customer is a customer who returns goods above a predetermined number of times which is a reference returnable in the month unit, classifies the customer as a customer who cannot receive the sequence numbering service in that month, and generating sequence numbering impossibility information at the payment/lottery management server; if the payment customer is a customer who returns goods below the predetermined number of times which is a reference returnable in the month unit, giving a payment sequence number after a previous sequence number within a group pre-classified depending on the payment amount of the payment customer at the payment/lottery management server; if the customer is non-winner, sending non-winning information from the payment/lottery management server to the on-liner payment server; outputting the non-winning information (or sequence numbering impossibility customer information) from the on-liner payment server to a telephone terminal of the payer as voice through ARS; providing a signal for request of a credit inquiry of a credit card and card payment of the card from the on-line payment server to a finance server for conducting a payment process; outputting the non-winning information (or sequence numbering impossibility information) from the on-liner payment server to the telephone terminal of the payer as voice through ARS; if the customer is a customer who can receive a sequence numbering service and is a prize winner, settling a final payment amount excluding the winning from the payment amount of the customer at the payment/lottery management server; outputting the winning information (winning money information) to the telephone terminal of the payer as voice through ARS; and making payment for an amount excluding the winning money at the on-line payment server.
 43. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: generating a payment signal by inputting personal information for delivery via ARS in a state where a payer connects to an on-line payment server through a payer's telephone terminal; sending payment amount information of the payer, purchaser personal information, a pre-given ID number of a home shopping mall and returnable time limit information of goods from the on-line payment server to a payment/lottery management server via a data communication network; designating sequence numbering possibility period information of the customer based on the payment amount information of the card payer, the personal information and the returnable time limit information of the card payer, and generating a serial number associated with the sequence numbering possibility period information; registering the serial number with the customer information and the sequence numbering possibility period information; sending the serial number and the sequence numbering possibility period information from the payment/lottery management server to the on-line payment server; performing a payment process by using a credit card of the customer at the on-line payment server. outputting the serial number, the payment information and the sequence numbering service possibility period information from the on-liner payment server to a telephone terminal of the payer as voice through ARS; applying the pre-given serial number through a web connection or ARS-connection to the payment/lottery management server from the customer's telephone terminal upon arrival of the sequence numbering service possibility period for goods purchase; extracting the pre-registered personal information and the payment information of the customer based on the serial number, and designating a payment amount group based on the payment information at the payment/lottery management server; conducting, at the payment/lottery management server, a sequence numbering within the group to decide whether or the customer is a prize winner; if the customer is non-winner, outputting non-winning information to a telephone terminal of the payer as voice through ARS or to the customer PC, at the payment/lottery management server; and if the customer is a prize winner, providing a winning money, a credit card number of the customer, and a winning money reserving request signal to a finance server for reserving the winning money, at the payment/lottery management server.
 44. The lottery method of claim 43, further comprising the step of executing a sequence numbering at the time when the payment/lottery management server receives a purchase decision signal from the customer's telephone or PC.
 45. A lottery method based on a sequence number of payment, wherein the lottery method integrates and accumulates reserve funds sent from plural chain stores when a consumer purchases goods, and decides the consumer to be a prize winner if the reserve fund of the consumer exceeds a specific reference amount by a selection of the consumer for a specific accumulated money group, to discount or accumulate a winning money.
 46. The lottery method of claim 45, which comprises the steps of: registering a specific accumulated money at a payment/lottery management server; sending card information, a terminal ID number, and payment amount information from a card payment terminal to the payment/lottery management server via a data communication network; deciding a reserve fund based on the payment amount information of the card and accumulating the reserve fund by adding the reserve fund to a previously accumulated amount at the payment/lottery management server; comparing the accumulated reserve fund of the payment customer with the pre-registered amount at the payment/lottery management server, to judge whether or not the accumulated reserve fund exceeds the pre-registered amount; if the accumulated reserve fund exceeds the pre-registered amount, deciding the payment customer to be a prize winner, settling a final payment amount excluding a winning money from the payment amount of the customer at the payment/lottery management server, and sending winning information (winning money information) to the card payment terminal; sending the payment information excluding the winning money from the card payment terminal to an electronic authentication server and a finance server for conducting a payment process; if the accumulated reserve fund is less than the pre-registered money, deciding the payment customer to be non-winner, and sending a payment signal for the payment amount of the payment customer and the non-winning information from the payment/lottery management server to the card payment terminal; and sending the payment information from the card payment terminal to the electronic authentication server and finance server for conducting a payment process, and outputting the non-winning information provided from the payment/lottery management server on a receipt.
 47. The lottery method of claim 45, wherein the accumulated reserve fund at the time of payment which compares with the registered money as a winning reference money contains a reserve fund given by payment of the customer.
 48. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: receiving and registering information on BP (big point) goods from a POS terminal prepared in a large mart at a payment/lottery management server; receiving the payment information from the POS terminal, extracting the pre-registered BP goods information of the store, and comparing the extracted information with transmitted payment information, to judge whether or not the payment information on the BP goods is contained in the payment information, at the payment/lottery management server; exchanging a reserve fund for each goods at the payment/lottery management server; extracting group information by accumulated amounts and performing a sequence numbering within the corresponding group; judging at the payment/lottery management server whether the payer is a prize winner based on the sequence numbering, and if so, subtracting a winning money and conducting a payment process; sending winning information and payment information to the POS terminal; if there exists a residual reserve fund, accumulating the residual reserve fund directly; and receiving, at the POS terminal, the payment information and the winning information from the payment/lottery management server, and printing a receipt having the above information for providing to the customer.
 49. The lottery method of claim 48, wherein the BP goods is event goods with higher exchange rate than other goods.
 50. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: receiving payment information from a card payment terminal (van terminal) prepared in department or a chain store and computing a reserve fund for a payment amount based on a reserving rate of the chain store, at a payment/lottery management server; extracting group information by reserve funds and conducting a sequence numbering within the corresponding group at the payment/lottery management server; judging at the payment/lottery management server whether the payer is a prize winner based on the sequence numbering, and if so, subtracting a winning money and conducting a payment process; sending the winning information and the payment information to the card payment terminal, and if there is a residual reserve fund, accumulating the residual reserve fund; receiving, at the card payment terminal, the payment information and the winning information from the payment/lottery management server and prints a receipt having the above information for providing to the customer; providing an additional sequence numbering request signal for the BP goods to the payment/lottery management server, without going through the van server, through a chain store's PC or a separate input unit by using the receipt presented by the customer; judging at the payment/lottery management server whether the payer is a prize winner based on the sequence numbering, and if so, accumulating a winning money to a credit card of the customer; and outputting the winning information on a screen or a sheet through the chain store's PC or a separate input unit.
 51. The lottery method of claim 50, wherein if there are BP goods upon first receipt of payment information, the payment/lottery management server applies the pre-registered reserving rate of the chain store without change, to compute a reserve fund, because the card payment terminal cannot send the individual goods information.
 52. The lottery method of claim 50, wherein the step of generating the additional sequence numbering request signal generates a sequence numbering request signal for a residual reserve fund subtracting the reserve fund of the BP goods which are subjected to the first sequence numbering at a reserving point of the actual BP goods.
 53. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: sending a gift certificate purchase signal to a payment/lottery management server through ARS, PC, or a separate input unit via a server of an issue of the gift certificate; executing, at the payment/lottery management server, a sequence numbering service based on customer information and payment amount information, to judge whether or not a customer is a prize winner; and sending the information from the payment/lottery management server to the issuer of the gift certificate to conduct a discount or reserving process.
 54. A lottery system based on a sequence number of payment, the lottery system comprising: a card payment terminal arranged in a chain store for sending card information and payment information, to be regarded as the object of the lottery based on the payment sequence number for amount payment through a credit card, to a payment/lottery management server, and indicating winning or non-winning information of the credit card on a sale receipt; an electronic authentication server for performing an authentication process in response to a credit inquiry request signal for the amount payment of the credit card from the card payment terminal; a finance payment server prepared in a payment center of a credit card company for conducting an amount payment process for the credit card which is authenticated by the electronic authentication server; a customer's hand phone for registering a hand phone number and a credit card number in a payment/lottery management server so that a reserve fund given by the payment/lottery management server is automatically processed, and inputting setting data for the automatic reserve fund process to generate an automatic process setting signal; and the payment/lottery management server for receiving and registering the hand phone number, the automatic process point setting information, and the credit card number information from the customer's hand phone, receiving an amount payment request signal and card information, payment amount information, customer hand phone number or credit card number information from the card payment terminal, automatically designating a corresponding group among pre-classified groups by payment amount units based on the process information set by the customer, giving a payment sequence number within the group, and deciding whether or not the given sequence number matches a pre-designated winning sequence number to conduct a winning process, and sending winning information to the card payment terminal.
 55. The lottery system of claim 54, wherein the payment/lottery management server registers information on each chain store in a phone page to search it through the customer's hand phone.
 56. The lottery system of claim 54, wherein the payment/lottery management server includes: a wire/wireless gateway for matching data sent through a web network and a wireless Internet network with a protocol prepared in the server; a connection part for connecting the data sent through the gateway to an inside module of the server; an authentication center for authenticating whether or not the chain store is an affiliated chain store based on an ID number such as an MAC address of the card payment terminal of each chain store; a connection sensing processor for checking a connection status of the card payment terminal of each chain store; a group designation processor for designating pre-classified groups by payment amounts sent from the card payment terminal; a sequence numbering execution processor for deciding a payment sequence number of the customer within a corresponding group in a state where the group is designated in the group designation processor depending on the payment amount information of the customer applied from the card payment terminal; a cost settlement processor for subtracting a winning money from the payment amount of each customer to settle an amount the card payment terminal of the chain store will pay; a customer information storage part for registering a hand phone number and a credit card number of each customer and setting an automatic reserve fund process type for each customer; a chain store information storage part for registering various search category information for each chain store to search so that the customer searches desired chain store information through a hand phone; a data storage part for storing the ID number of the card payment terminal for each chain store and affiliated chain store information for each ID number, storing payment sequence number information for each payment amount group, and storing the winning information on each group; and a control module for confirming at the authentication center whether the chain store is affiliated or not depending on the payment amount information and chain store code from the card payment terminal through the gateway, confirming whether or not the customer is a prize winner based on the payment sequence number within the group in the state where the payment amount group is designated, registering winning probability point information pre-selected by the customer and extracting the winning probability point information of the customer and executing a sequence numbering within the group when there is a payment signal later, receiving the setting signal of the customer and conducting the setting registration on the automatic reserve fund process in connection with the customer's hand phone or credit card number, classifying each chain store information into plural search categories for their search, and conducting the automatic reserve fund process based on the information on each customer set upon occurrence of the payment signal.
 57. The lottery system of claim 56, wherein the automatic process information stored in the customer information storage part is registered as one of the setting information which allow a total reserve fund to be used in a sequence numbering service; allow a certain rate of a total reserve fund to be used in a sequence numbering service and a residual reserve fund to be accumulated; and allow a total reserve fund to be accumulated, rather than being used in a sequence numbering service.
 58. The lottery system of claim 56, wherein the chain store information storage part stores point information (reserve fund information) provided for each chain store, position information of each chain store, telephone number information, selling goods information for each chain store, special event information.
 59. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: receiving and registering, at a payment/lottery management server, membership information and reserve fund process setting information, hand phone number information, credit card number information from a customer's PC or hand phone; sending a payment signal including payment amount information and credit card number information from a card payment terminal prepared in a chain store to the payment/lottery management server; extracting, at the payment/lottery management server, setting information of the customer depending on the hand phone number information and credit card number information of the customer sent from the card payment terminal; processing a customer's point based on preset automatic point process information for each customer at the payment/lottery management server; and sending point process result information from the payment/lottery management server to the card payment terminal.
 60. The lottery method of claim 59, wherein the automatic point process information for each customer which is settable in the payment/lottery management server is registered as one of the setting information which allow a total reserve fund to be used in a sequence numbering service; allow a certain rate of a total reserve fund to be used in a sequence numbering service and a residual reserve fund to be accumulated; and allow a total reserve fund to be accumulated rather than using in a sequence numbering service.
 61. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: classifying, at a payment/lottery management server, chain store discount rate information, position information, phone number information, special event information, and selling goods information from a chain store's PC or hand phone by categories, and registering the classified information; sending category information and selection signal information from the customer's hand phone to the payment/lottery management server for chain store search; searching a specific chain store based on a chain store search signal at the payment/lottery management server; and sending searched results from the payment/lottery management server to the customer's hand phone or PC.
 62. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: applying a specific chain store search request signal based on goods menus, a given discount rate and location information from a customer's hand phone to a payment/lottery management server; sending searched result information from the payment/lottery management server to the customer's hand phone; receiving, at the payment/lottery management server, an advance reservation application signal (reservation information such as the number of persons and expected payment information) from the customer's hand phone; exchanging a reserved money through the advance reservation application information at the payment/lottery management server, and sending the reserved money; getting a transfer of the reserved money of the customer at the payment/lottery management server; generating a point (reserve fund) for a total expected payment amount of the customer at the payment/lottery management server, and sending it to the customer's hand phone; generating a sequence numbering service request signal through the payment/lottery management server; executing the sequence numbering service at the payment/lottery management server; applying a payment signal from a card payment terminal of the chain store to the payment/lottery management server; sending a final payment amount excluding the reserved money from the payment/lottery management server; and outputting the payment information and winning information on a receipt from the card payment terminal.
 63. The lottery method of claim 62, further comprising the step of sending amount information excluding the reserved money and winning money from the final payment amount from the payment/lottery management server to the card payment terminal if the customer is confirmed to be a prize winner based on the payment signal.
 64. The lottery method of claim 62, further comprising the steps of: if a signal applied to the payment/lottery management server is a provision reservation application signal (reservation information such as the number of persons and expected payment amount), receiving the provisional reservation application information at the payment/lottery management server, and registering a hand phone number of the customer with chain store information and provisional reservation information through a sender indication display service (CID); sending a card number and card information stored in the credit card, a terminal ID number and payment amount information from the card payment terminal to the payment/lottery management server via a data communication network; extracting, at the payment/lottery management server, customer information based on the credit card number of the customer and confirming whether or not the customer in a pre-registered provisional reservation customer; if the customer is the provisional reservation customer, generating an agreed reservation point at the payment/lottery management server, and executing a sequence numbering service.
 65. A lottery system based on a sequence number of payment, wherein a payment amount and payment date, an authentication number created by a payment/lottery management server, a chain store ID number and a phone number, and a chain store's name are written on a receipt provided to a customer, in order that a delivery company receives a sequence numbering service provided by the payment/lottery management server.
 66. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: receiving, at a payment/lottery management server, an authentication number request signal and total payment amount information, and a chain store code from a chain store PC or hand phone; receiving the authentication number request signal and total payment amount information, and the chain store code at the payment/lottery management server, and generating an inherent authentication number and registering the authentication number in connection with the information sent from the chain store; outputting, at the chain store PC, the authentication number from the payment/lottery management server on a sheet by including it in a receipt; sending the authentication number from the customer PC or hand phone to the payment/lottery management server; extracting the above information through the authentication number at the payment/lottery management server; and generating, at the payment/lottery management server, a point corresponding to the payment amount and providing a sequence numbering service by using the point.
 67. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: registering a master card signal including an authentication number request signal and total payment amount information, and a chain store code, provided from a chain store, in an electronic authentication server and a payment/lottery management server; sending the master card number from a card payment terminal of the chain store to the electronic authentication server; sending a payment signal from the electronic authentication server from the electronic authentication server to the payment/lottery management server, without an actual payment process; receiving, at the payment/lottery management server, the authentication number request signal and total payment amount information, and the chain store code, generating an inherent authentication number, and sending it to the card payment terminal of the chain store; outputting, at the card payment terminal of the chain store, the authentication number provided from the payment/lottery management server on a sheet by including it in a receipt; sending the authentication number from the customer PC or hand phone to the payment/lottery management server; extracting the above information through the authentication number at the payment/lottery management server; and generating, at the payment/lottery management server, a point corresponding to the payment amount and providing a sequence numbering service by using the point.
 68. A lottery system based on a sequence number of payment, wherein a gift certificate issued by a chain store includes contents such as a chain store's name, gift certificate's par value information, fixed period information which is available for point use, point par value information, a serial number of each goods, and interest rate information by periods upon expiration of a point usable period.
 69. A lottery method based on a sequence number of payment, the lottery method comprising the steps of: receiving, at a payment/lottery management server, gift certificate issuance information having a gift certificate's serial number and par value, provided from a chain store's PC or hand phone; registering, at the payment/lottery management server, the gift certificate issuance information for each chain store; receiving, at the payment/lottery management server, the gift certificate's serial number and selling information from the chain store's PC or hand phone; registering, at the payment/lottery management server, the gift certificate's selling information and generating a point according to selling of the gift certificate; initiating, at the payment/lottery management server, counting for computing a period which is available to use the point; sending point information from the payment/lottery management server to the customer's hand phone or PC; judging at the payment/lottery management server whether the point use request signal is applied within the point usable period or not; if the point use request signal is applied within the point usable period, providing a sequence numbering service at the payment/lottery management server; if the point use request signal is not applied within the point usable period, reducing the provided point and initiating counting for computing the rate of interest by periods at the payment/lottery management server; and if a gift certification use signal is sent from a chain store's card payment terminal or a chain store's PC, halting the counting for the interest rate computation, computing the rate of interest by periods, exchanging the interest rate to a point, and sending the point information to the chain store. 